So what does your fire insurance cover? This is an important question you want to know, it will help you choose your fire insurance policy and company better.

There are some different types of insurance policies and each cover a different set of things. So knowing what each company and policy cover is a smart way to have peace of mind that you are protecting your home fully.

In general, your fire insurance covers your home structure against fire and other similar hazards. In case it happens, your insurance policy will help you with the financial means to replace what you have lost.

Some companies have slightly different policies and rates, so it’s always good to check with your insurance company what options they provide.

But most insurance companies have the following in common in terms of what they cover…

1. Standard Insurance Cover

– Fire 
– Lightning 
– Explosion 
– Flood and windstorm 
– Earthquake

These are the normal conditions that they usually cover to help you with the damage if it happens.

2. Comprehensive Insurance Cover

There is another popular type of fire insurance coverage that includes more security and includes more coverage…

– Fire 
– Explosion 
– Lightning 
– Flood and windstorm 
– Earthquake 
– Vehicle accident (by third party vehicle) 
– Riot and strike 
– Landslip and subsidence 
– Water tanks, apparatus and pipes

If you want more protection for your house, this fire insurance cover is more safe for you. So in case anything happens, you know your home is well protected.

There are also some thing that are excluded from your fire insurance and it’s smart to know them before you choose it.

For example, damages caused by the house owner, riots, revolutions, theft, and similar cases. But if your home burns down because of fire, your insurance company will pay all the fee to rebuild your home like new.

How to Choose the BestĀ Fire Insurance Rates.

If you search around a little, you see there are many different insurance companies out there – each offering you different rates. So it can get confusing to choose which one is the best one for you.

It’s important to compare at least top 3 companies that you think may be the best and compare their rates and policies. It will help you find the best rates for what you want.