Wildfire: How My Home Insurance Can Help

Not all insurance policies cover wildfire damage, so it's important to understand what your policy does and does not cover. If you have the standard homeowner's insurance policy, it may not be enough to help you after a wildfire. 

If your home is damaged by wildfire, your homeowner's insurance can help pay for repairs or replacement. It also covers personal property that was damaged or destroyed in the fire.

Will My House Be Covered?
Wildfires are infrequent, but you should still have wildfire insurance because it will cover the destruction caused by these unpredictable fires. When a wildfire breaks out, fire insurance pays for any property lost to the fire or damaged by smoke or ash. 

Most homeowners insurance policies will cover fire damage, including from wildfires. Here are similar coverages that are worth checking.
 
Dwelling Coverage
Dwelling coverage is a type of insurance that protects the structure of your home and other structures after a wildfire event, including your pool or garages. It also covers damage like theft and vandalism.
 
For example, if you get covered for dwelling coverage through an insurance policy, you'll get maximum benefits if your home is destroyed.
 
Other Coverage
Other structures are the most common type of coverage out there. They are also known as "other insurance." Other structures are designed to protect your assets from the risks you face, such as credit card debt or medical bills. 
 
This type of coverage is usually offered by banks, credit unions, and life insurance companies.
 
Personal Property Coverage
Personal property coverage is insurance that protects you against damage to your possessions, like your car or laptop. You can also consider this type of coverage if you're considering renting out your home on Airbnb or leasing out a room with Airbnb. 
 
It's important to know what your policy covers and talk with your agent about any questions you may have.
 
Loss-of-Use Coverage
Loss-of-use coverage is an insurance policy that pays your bills during a time of illness or disaster. It covers health care costs for up to 60 days if the insured person is unable to work. It also pays for home care, home healthcare, long-term care services, and other related costs. 
 
At Robinsons Insurance Agency LLC, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 254-7350 or Click Here to request a free quote.