There’s more to protecting your home than locking doors or installing an alarm. A fire can start suddenly and cause serious damage in just minutes. That’s why fire insurance (which is included in home insurance policies) plays an essential role.

Here’s why fire insurance is essential for covering fire-related risks, and how to make sure your home is properly protected against this possible danger.

What is fire insurance?

Fire insurance is a type of coverage included in your home insurance policy. It covers damages caused by a fire to your home, other structures on your property, and in most cases, your personal belongings.

What is covered under fire insurance?

Here’s what fire insurance typically covers:

• Your dwelling: This includes your house or apartment.
• Personal belongings: Your personal items, furniture and electronic devices.
• Other structures: This could be a garage, shed or other buildings on your property.
• Vehicle damages: If applicable, depending on your policy.

Whether you’re a homeowner or a renter, this coverage can be tailored to your situation to protect your most valuable possessions.

What are the common exclusions?

Some situations are generally not covered by fire insurance:

• Intentional or criminal fires started by the homeowner or tenant.
• Specific conditions outlined in your home insurance policy.

It’s important to read your policy carefully to understand the limits that apply in case of fire damage.

How does compensation work when you make a claim?

If a fire occurs, report the loss to your insurer quickly. An adjuster will assess the damages caused by the fire, smoke and water used to put out the fire. Depending on your policy details, your insurance will cover the costs to repair or replace damaged property. The settlement amount will depend on your coverage and the actual loss.

Keep all loss-related documents to ensure your claim can be processed smoothly. Your insurer will guide you through the entire process to help you get back on your feet as quickly as possible.

Steps to take during and after a fire

Immediate actions

Here’s what you should do right away if there’s a fire:

• Move occupants and pets away from danger.
• Call the fire department and emergency services.
• Extinguish any residual fire sources, if it’s safe to do so.
• Contact your insurer within minutes.

Doing these actions quickly will help limit the damages caused by fire and smoke. Keep an eye on your surroundings – flames can restart even after firefighters have left.

Call your insurer as soon as you can

Getting in touch with your insurer as soon as possible is crucial, since it makes opening and assessing your claim easier. Your insurer can guide you on the next steps and offer quick support – make sure to keep your insurer’s claim team contact details handy!

Get the documents for your claim

To make your claim process easier, get these documents to have on hand:

• Proof of purchase for damaged items.
• Photos and videos of the damages.
• Official reports from the fire department.
• Detailed list of lost or damaged items.

An adjuster can advise you on your specific needs. Be sure to ask any questions in order to fully understand what applies to your situation.

Temporary additional living expenses and settlements

If you can’t live in your home due to the damages, your home insurance generally covers temporary lodging and meal expenses. These benefits are designed to help you during this difficult time, but keep in mind that they’re often limited to a predefined amount of money or a specific duration of time. Check your policy details to know the exact details of these benefits.

How to prevent a fire at home

Maintain and check your heating appliances regularly

Regular maintenance of your indoor heating is crucial to protect against a fire. Whether you have a fireplace, furnace or wood stove, proper maintenance can go a long way protecting your home. Also, make sure to use heating equipment that meets current standards – this could save you significant costs in case of a loss or fire.

Protect your home’s exterior against fire risks

In the event of a fire, landscaping and maintenance around your building also play a role in slowing the spread. Pay particular attention to at risk areas, such as the roof and gutters. By taking care of the outside, you reduce the risk of more severe damage.

Establish safe daily habits

Taking simple steps to minimize danger at home is easier than you think. For example, did you know that turning off unused electronic devices can greatly reduce the risk of fire? Make sure to educate your household on potential fire causes and reinforce these good habits to keep your home safe.

Protect your home with Sonnet!

Worried about fire damage? We get it. At Sonnet, we offer home insurance online that’s both fast and simple. Get a quote online and customize your home protection coverage to fit your needs.

Frequently asked questions about fire insurance

What should I check to make sure smoke damage is covered?

Generally, your home insurance protects you from damage caused by fire and smoke. Also, damage from putting out the fire is usually included in most policies. Heads up: Damages from a fire intentionally caused by you probably won’t be covered. Always check your policy details to know exactly what’s covered.

How long do I have to make a claim after a fire?

After a fire, you should get in touch with your insurer right away. The deadline for filing a claim depends on your specific policy. Quick communication with your insurance company will streamline the process of assessing the damages and paying out your claim.

What types of personal belongings can be protected in case of fire?

Your home insurance generally covers your furniture, your main home and any attached structures like a garage or shed. It also helps with additional living expenses if you can’t stay in your home after a fire. Most policies include compensation for personal items damaged in a fire - check your policy to see your exact coverage and any limits that apply.

How can Sonnet help me get a policy that fits my needs?

Here at Sonnet, we offer flexible policies with different options to meet your specific needs. Our policies can cover additional living expenses and fire department services, depending on what you choose when you select your coverage. Get in touch with us to customize your home insurance to your needs!