Does home insurance protect against fire damage?

Does home insurance protect against fire damage? – Our aim is to provide you with the knowledge and confidence you need to better your financial situation. Although we accept income from our partner lenders, whom we will always name, we maintain editorial independence. Refinancing your mortgage may result in increased overall finance costs throughout the life of the loan.

There are several causes of house fires, including lightning strikes and pots left on the burner for too long. According to the National Fire Protection Association, firefighters responded to an average of roughly 350,000 residential fires yearly between 2015 and 2019.

You may lessen the danger of a home fire by avoiding grilling close to a wooden deck railing and by keeping combustible substances in the appropriate containers. Since you cannot remove every physical danger, it is prudent to get homes insurance to protect against the financial risk of fire damage.

Here’s everything you need to know about fire damage and homeowner’s insurance:

Does home insurance protect against fire damage?

Yes, homeowner’s insurance often covers fire damage. In fact, according to the Insurance Information Institute, fires and lightning were the second or third most prevalent category of homeowner insurance claims from 2016 to 2020. They accounted for almost a percent of annual claims, and the average loss was $78,340.

A conventional homes insurance policy protects against certain risks. Most individuals have a HO-3 policy, which offers coverage for your home’s structure against all dangers. This implies that every source of fire damage except those explicitly prohibited by the policy is covered.

As for your personal property, a conventional HO-3 insurance provides named-perils coverage, which covers your items exclusively against the specified incidents stated in the policy. Typically, fires and lightning strikes are mentioned.

What sorts of fire damage are covered by home insurance?

If the fire was sudden and unintentional, your homeowner’s insurance is likely to cover the following causes of fire damage to your home:

  • Candlefire
  • Kitchen fires (including grease fires and unattended stove fires)
  • The heater ignites
  • faulty equipment
  • Worn or defective wiring
  • Insufficiently sized circuits
  • Smoking-related or cigarette-related fires
  • Barbecue grill fires
  • exploding propane tanks
  • Fire pit fires
  • Hearth chimney fires
  • Wood stoves burn
  • Benzene, paint thinner, oil, and mineral spirits are combustible.
  • Forest fires
  • Garage blazes
  • Loft fires
  • flames in Christmas trees
  • Fires that started at a neighbor’s home and spread to yours.
  • The occurrence of wildfires, forest fires, and brush fires.
  • Vandal-caused blazes

When is fire damage not covered by home insurance?

Most house insurance plans exclude losses due to specific occurrences. The following homeowner insurance exclusions may apply after a house fire:

Vermin: Insurers consider the damage caused by rats, mice, squirrels, raccoons, and other wild animals to be avoidable. Particularly mice and rats will gnaw on electrical wire, which may cause a fire. Your coverage may not cover this sort of fire if you overlooked an evident rodent infestation.

Lack of maintenance or neglect: If your house has evident damage that you neglected to remedy and that damage caused a fire, your insurance company may refuse your fire damage claim.

Intentional damage: Damage caused intentionally by the policyholder is not covered by the homeowner’s insurance policy. Do not intentionally set fire to your house in order to get an insurance claim. You would be guilty of both arson and insurance fraud. Insurance companies and fire investigators have methods to identify arson, and you will not be able to outwit their combined expertise and wealth.

  • Vacant property: If you move out of your house and leave it unoccupied for too long, your homeowner’s insurance policy may not provide coverage. However, some insurers design policies particularly for empty properties, including fire coverage.
  • Continuous water leakage or seepage: Water damage may cause electrical fires if there is a continuous water leak or seepage. Your loss may not be compensated if you’ve had a gaping hole in your roof for a month and an electrical fire breaks out in your attic.

Acts of war: Acts of war are not covered by property insurance, regardless of whether they are proclaimed by Congress.

In uncertain circumstances, a public adjuster or insurance claims attorney may be able to assist you.

Additional possibilities for fire damage coverage

When a fire burns your residence, your financial losses may be mitigated if you have the following coverages:

  • Replacement cost coverage: Instead of compensating you for the property’s real cash worth, which factors in depreciation, replacement cost coverage reimburses you for the whole cost to rebuild the house at today’s rates. This covers both labor and material costs.
Does home insurance protect against fire damage
Does home insurance protect against fire damage


Extended replacement cost coverage: Extended coverage for replacement cost: This coverage might be a blessing if your region’s reconstruction expenses increase following a natural catastrophe (such as a wildfire). Damage to several residences often results in insufficient manpower and supplies to satisfy demand.

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How to submit a fire damage claim

To make a claim for fire damage on your homeowner’s insurance, you will normally need to do the following steps:

Inform your insurance. Contact your insurance company and submit a claim online or over the phone.
Record the damage. Take photographs and/or videos of the fire damage to provide to your insurer.
Make interim fixes. Make any required repairs to safeguard your property from additional harm. Wait to make permanent or significant repairs until the insurance adjuster has inspected the damage.
Meet with the adjuster for claims. Following the filing of a claim, your insurer will dispatch a claims adjuster to your property to assess the damage and compile a report. Respond immediately to your claims adjuster’s calls and texts. Once their evaluation is complete, they will offer an estimate of the amount your insurance should pay for the repairs.
Maintain your receipts. Save any receipts for interim repairs, increased living expenditures, and other charges that your insurance may cover.

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