Homeowners Insurance Covers Fire Damage
Most homeowners insurance policies cover your home and belongings in case of fire damage, as well as pay for temporary housing if you can’t live in your home while it’s being repaired. Your landscaping may also be covered by your homeowners policy.
If I live in a high-risk fire area, does that impact my homeowners insurance?
Yes. Insurers can require that you maintain and protect your property by keeping flammable landscaping a safe distance from your home. If you don’t comply with their requirements, your policy may be canceled. Also, your homeowners insurance rates may be higher in areas that are prone to wildfire.
There are precautions you can take to protect your property from wildfire – read about Features of a Wildfire-Resistant Home.
Sometimes rebuilding a home after a total loss can cost more than anticipated because of rising construction costs. You can purchase extended coverage at reasonable rates that will help reimburse for these additional expenses.
If you have questions about homeowners insurance, we’re happy to help. Contact Kelly Miller Insurance Associates at (916) 652-3100 or email firstname.lastname@example.org.