Fire Damage Insurance Coverage

Damage to property and belongings caused by fire, smoke, or firefighting efforts. Compare how different insurance companies handle fire damage claims.

Typical Coverage Status

Almost always covered under standard homeowners and renters policies

Common Exclusions

  • Intentional fires
  • Fires due to neglect
  • Some types of arson

Prevention Tips

  • Install smoke detectors
  • Have fire extinguishers accessible
  • Clean dryer vents regularly
  • Never leave cooking unattended

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