{"id":86030,"date":"2023-08-15T13:10:52","date_gmt":"2023-08-15T20:10:52","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=86030"},"modified":"2023-09-06T13:23:25","modified_gmt":"2023-09-06T20:23:25","slug":"what-is-fire-insurance","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-is-fire-insurance\/","title":{"rendered":"Fire Insurance: What Is It, What Does It Cover, and How Is It Changing?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Fires are becoming <a href=\"https:\/\/www.epa.gov\/climate-indicators\/climate-change-indicators-wildfires\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">increasingly frequent and destructive<\/a> across the nation, particularly along the West Coast. Your homeowners insurance usually includes fire insurance, safeguarding against all accidental blazes. However, the specifics of your coverage can vary depending on where you live, especially if you own a <\/span><a href=\"https:\/\/www.redfin.com\/blog\/questions-before-buying-in-wildfire-territory\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in wildfire territory<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So what is fire insurance, what does it cover, and how is it changing? Whether you live in a city with <\/span><a href=\"https:\/\/riskfactor.com\/methodology\/fire\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">high-fire risk<\/span><\/a><span style=\"font-weight: 400;\"> like <\/span><a href=\"https:\/\/www.redfin.com\/city\/2112\/CA\/Brentwood\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Brentwood, CA<\/span><\/a><span style=\"font-weight: 400;\">, or in low-risk <\/span><a href=\"https:\/\/www.redfin.com\/city\/4430\/MN\/Duluth\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Duluth, MN<\/span><\/a><span style=\"font-weight: 400;\">, this Redfin article has everything you need to know.\u00a0<\/span><\/p>\n<figure id=\"attachment_86038\" aria-describedby=\"caption-attachment-86038\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-86038 size-full\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008.jpg\" alt=\"fire-insurance-2\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-875117008-450x300.jpg 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-86038\" class=\"wp-caption-text\">Bill Oxford via Getty Images<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">What is fire insurance?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fire insurance is a specific type of insurance coverage that compensates homeowners for accidental damage caused to their property by fire. <\/span><b>It&#8217;s often included as part of a standard <\/b><a href=\"https:\/\/www.redfin.com\/blog\/home-insurance-coverage\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"exclude\"><b>homeowners insurance policy<\/b><\/a><span style=\"font-weight: 400;\">, but depending on where you live and the specifics of your policy, the coverage can vary.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Does homeowners insurance cover fires?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, homeowners insurance usually covers all fires, <\/span><a href=\"https:\/\/www.insurance.wa.gov\/wildfires-and-homeowner-insurance\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">including wildfires<\/span><\/a><span style=\"font-weight: 400;\">. In fact, fire coverage is one of the foundational elements of most standard homeowners insurance policies. Here&#8217;s a breakdown of what\u2019s generally covered in the event of a fire:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dwelling coverage<\/b><span style=\"font-weight: 400;\">: This covers the structure of your home, including walls, roofs, and built-in appliances. If a fire damages or destroys any part of the physical structure of your home, this portion of your policy would help pay for repairs or rebuilding.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Personal property coverage<\/b><span style=\"font-weight: 400;\">: This covers your belongings inside the home, such as furniture, clothing, electronics, and other personal items. If these are damaged or destroyed by fire, your policy would help compensate you for their value, either at actual cash value (which accounts for <a href=\"https:\/\/www.investopedia.com\/terms\/d\/depreciation.asp\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">depreciation<\/a>) or replacement cost (which doesn&#8217;t factor in depreciation), depending on your policy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Detached structures<\/b><span style=\"font-weight: 400;\">: If you have other structures on your property, like a garage, shed, or fence, these are typically covered under a standard homeowners policy if they&#8217;re damaged or destroyed by fire.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loss of use or additional living expenses<\/b><span style=\"font-weight: 400;\">: If a fire makes your home uninhabitable, this portion of your policy can help cover the costs of living elsewhere temporarily, such as hotel bills, meals, and other associated expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liability protection<\/b><span style=\"font-weight: 400;\">: If someone is injured on your property as a result of the fire, or if you accidentally cause a fire that damages a neighbor&#8217;s property, this part of your policy may cover legal or medical expenses.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What doesn\u2019t fire insurance cover?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While fire insurance is designed to provide broad coverage for damages resulting from fires, there are certain exclusions and scenarios that might not be covered by a standard policy. Here are some common limitations:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Intentional fires (<\/b><a href=\"https:\/\/www.vosslawfirm.com\/blog\/the-difference-between-an-arson-claim-and-a-legitimate-fire-claim-detailed-by-policyholder-attor.cfm\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><b>arson<\/b><\/a><b>)<\/b><span style=\"font-weight: 400;\">: If the fire is determined to have been set intentionally by the homeowner or with their knowledge, the insurance will not cover the damages.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vacancy<\/b><span style=\"font-weight: 400;\">: If a property has been vacant for a specified period (typically more than 30 days), damages from a fire might not be covered. Insurance companies see vacant properties as higher risks for vandalism, theft, and neglect.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>War and nuclear hazard<\/b><span style=\"font-weight: 400;\">: Damages resulting from war, including undeclared war, civil war, insurrection, rebellion, or revolution, are typically excluded. Similarly, fires resulting from nuclear reactions or radiation are not covered.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Other perils<\/b><span style=\"font-weight: 400;\">: If a fire results from an earthquake, landslide, power outage, neglect, faulty design or materials, or ordinance of law, insurance may not cover your property.\u00a0<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_86039\" aria-describedby=\"caption-attachment-86039\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"wp-image-86039 size-full\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479.jpg\" alt=\"fire-insurance-3\" width=\"1200\" height=\"899\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479-300x225.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479-1024x767.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479-768x575.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479-200x150.jpg 200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479-841x630.jpg 841w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-1332175479-400x300.jpg 400w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-86039\" class=\"wp-caption-text\">AegeanBlue via Getty Images<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">How is fire insurance changing?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With the increasing frequency and intensity of wildfires, especially in places like California, insurers are reevaluating their risk models. Recently, State Farm <\/span><a href=\"https:\/\/apnews.com\/article\/california-wildfire-insurance-e31bef0ed7eeddcde096a5b8f2c1768f\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">stopped offering<\/span><\/a><span style=\"font-weight: 400;\"> homeowners insurance entirely in California in early 2023. This has led to much higher premiums from other companies in some areas and even refusal to insure homes in particularly high-risk zones. These changes follow the most destructive wildfire seasons in the state\u2019s history, with <\/span><a href=\"https:\/\/www.fire.ca.gov\/our-impact\/statistics\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">11 of the state\u2019s 20<\/span><\/a><span style=\"font-weight: 400;\"> largest wildfires occurring in the past five years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This follows a trend in other states across the country ravaged by climate change-induced disasters. For example, in parts of Kentucky ravaged by flooding in 2022, flood insurance rates are <\/span><a href=\"https:\/\/www.nytimes.com\/2023\/05\/31\/climate\/climate-change-insurance-wildfires-california.html\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">set to quadruple<\/span><\/a><span style=\"font-weight: 400;\">. Similarly, insurance companies in Florida and Georgia are raising rates due to more frequent hurricane damage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance markets are regulated by local and federal governments, and many states and counties are struggling to keep their residents insured. In areas frequently hit by wildfires, state governments are stepping in to ensure homeowners can access affordable fire insurance. This might include offering subsidies, such as through <\/span><a href=\"https:\/\/nationaldisabilitynavigator.org\/wp-content\/uploads\/news-items\/NHC_High-Risk-Pools_May-2017.pdf\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">high-risk pools<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, even with government intervention, some homeowners are <\/span><a href=\"https:\/\/www.wsj.com\/personal-finance\/americans-are-bailing-on-their-home-insurance-e3395515\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">choosing to forego homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> entirely and risk catastrophe due to extremely high premiums.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What can you do?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If your home is at risk of wildfires, there are actions you can take to lower your insurance rates and help keep your coverage. Installing fire protection devices, like smoke detectors, fire alarms, sprinkler systems, and smart home security systems can all help lower your premiums.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s also essential to understand the specifics of your coverage. The more transparent and comprehensive your policy is, the better off you are in the case of a disaster.\u00a0<\/span><\/p>\n<figure id=\"attachment_86036\" aria-describedby=\"caption-attachment-86036\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"wp-image-86036 size-full\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272.jpg\" alt=\"fire-insurance-1\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/08\/GettyImages-157328272-450x300.jpg 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-86036\" class=\"wp-caption-text\">pastorscott via Getty Images<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Final thoughts<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fire insurance is a vital safety net for homeowners, ensuring that they can rebuild and recover after a devastating fire. As the world changes, so too does the landscape of fire insurance. Homeowners should regularly review their policies, stay informed about changes in the industry, and consider the evolving risks and benefits associated with their property.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fire insurance is often included in your homeowners insurance policy, with limits in some regions. But what is it, what does it cover, and how is it changing? As climate change worsens, it\u2019s essential to understand your policy. <\/p>\n","protected":false},"author":559,"featured_media":86039,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276,10756],"tags":[34528,34630],"coauthors":[34342],"class_list":["post-86030","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","category-featured-post","tag-climate","tag-homeownership-costs-and-benefits"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Fire Insurance: What Homeowners Need to Know | Redfin<\/title>\n<meta name=\"description\" content=\"Fire insurance is often included in your homeowners insurance policy. 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