{"id":352583,"date":"2017-06-02T17:48:22","date_gmt":"2017-06-02T22:48:22","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/insurance\/fire-insurance.html"},"modified":"2025-01-10T15:49:55","modified_gmt":"2025-01-10T20:49:55","slug":"fire-insurance","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/insurance\/fire-insurance.html","title":{"rendered":"Fire Insurance"},"content":{"rendered":"\n
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Fire Insurance<\/h1>\n
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\n By Oni Harton, J.D.<\/a> | Legally reviewed by Melissa Bender, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

For most of us, the thought of a fire starting in our home or business is terrifying. But it is all too common. The latest statistics from the U.S. Fire Administration<\/a> report 353,500 residential fires in 2021, resulting in billions of dollars in losses.<\/p>\r\n

Protecting your assets with property insurance<\/a> in the event of a fire is critical. The standard homeowners insurance policy typically includes fire insurance coverage. Most homeowners do not need separate fire insurance to protect against fire damage.<\/p>\r\n

When a fire damages a car, you can turn to an auto insurance policy<\/a> if you buy additional coverage or have comprehensive coverage.<\/p>\r\n

What Residential Fire Insurance Covers<\/h2>\r\n

Homeowners insurance policies often include fire insurance provisions<\/a>. Home insurance that offers fire protection will usually cover personal property damaged or destroyed in a fire.<\/p>\r\n

A fire policy covers the costs of repairing or replacing damaged property. Policyholders can expect personal property coverage and dwelling coverage up to the policy limits.<\/p>\r\n

Fire insurance will cover damage to or loss of property<\/a> due to the fire itself, smoke damage, and water and other damage caused by firefighters. Fire insurance seeks to reimburse you for replacement costs, repair, and reconstruction expenses for your home. The specifics of fire insurance will vary. Coverage limits will depend on the cause of the fire.<\/p>\r\n

Fire insurance will typically issue a payout to cover the following:<\/p>\r\n