Does home insurance cover fire?

Homeowners insurance may cover damage from fire to your home and belongings up to the limits of your policy and minus any deductible. Your policy’s dwelling coverage may pay to repair fire damage to your home’s structure or pay to replace it completely, and personal property coverage can cover your belongings lost in a fire. Loss of use coverage, under your policy, may pay for temporary housing, meals, and other services while your home is being repaired or rebuilt.

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House fire damage caused by open grill

How does homeowners insurance cover fire?

Your homeowners insurance policy may protect your home (including sheds, free-standing garages, and fences) and personal property against damage from an electrical fire, a fire pit or fireplace mishap, or other accidental fires. Policies may also cover damaged trees, shrubs, plants, or landscaping. If you're temporarily displaced from your residence due to fire, you may also be covered for additional living expenses, such as lodging and meals, above what you’d normally spend.

Kitchen, electrical, and heater fires are typically the three most common types of fires . With house fires being prevalent, standard homeowners policies offer protection against fire under the following coverages:


If a fire destroys or partially damages your home, dwelling coverage may pay to rebuild or repair the home. Your insurance policy may also provide additional coverage to remove any debris, rubble, or collapsed sections of the dwelling.

Other structures

If fire damages or destroys a detached garage, barn, tool shed, or any other structure on your property that isn't attached to your home and not used for business purposes, other structures coverage may pay to rebuild or repair those structures.

Personal property

Personal property coverage may pay to repair or replace your personal belongings damaged or destroyed in a fire, such as furniture, clothing, and electronics. Your belongings are covered up to the limits of your personal property coverage and minus any deductible. For certain items such as collectibles, money/coins, and personal records, your policy may contain a sub limit (which provides a specific maximum coverage amount), so check your policy or contact your insurer for details.

Additional living expenses

If there's a fire and you're unable to live in your home, loss of use coverage may pay for an increase in necessary expenses associated with living elsewhere, such as your hotel stay, while your home is being repaired or rebuilt. Suppose you typically spend $250 per week on groceries but must now spend $400 dining out. Loss of use may cover the $150 difference.

Pro tip:

The National Fire Protection Association suggests placing smoke alarms on every level of your home, inside each bedroom, and outside all sleeping areas. Make sure to test the smoke detectors once a month and put a fire escape plan in place for you and your family. Get additional tips for fire prevention.

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