Fires and home insurance go hand-in-hand if a tragic fire occurs in your house. A house fire emphasizes the importance of having the right insurance coverage and advice. Fire safety and protection for your home should be a serious concern. There are many ways a fire can start in your home, from candles and unsafe electrical equipment, to catching flames from a neighbouring fire.
That’s why it is important to have the right professional and independent advice on getting the best policy. so if a fire occurs, you have the right home insurance to protect yourself, the ones you love and your possessions. That’s why it is important to have the right professional and independent advice on getting the best homeowner policy when it comes to fires and home insurance.
Here’s how insurance can protect you
Your house — Almost all homeowner insurance policies will cover the damages from a fire (even if from a neighbouring property) as long as the fire was not intentionally started. In this case, it is arson.
Your car — Comprehensive or all-perils coverage will usually protect your car suffers damage by fire. This coverage is an additional option to standard auto policies, so ask your broker to ensure you have appropriate coverage.
In certain circumstances, coverage is given for additional living expenses if you are displaced from your home because of an insurable event (usually up to two years).
General fire safety precautions that will help lower home insurance costs
- Do not smoke inside
- Always unplug hair straighteners and irons, even if they are turned off
- Have fire extinguishers handy near areas where there are the highest chances of a fire starting (kitchens, near barbeques and fireplaces, etc.)
- Install smoke and carbon monoxide detectors on each floor of your home. Check the batteries twice a year.
- Frequently examine and clean chimneys
- Be careful with electricity, and avoid running electrical cords under furniture or rugs
If there is a fire in your home, here’s how to make a home insurance claim
At isure, we have 24/7 claims service so you can start your claim at any time. Try to include as much detail as possible as to what happened, damages, etc.
Make a list of all damages and try to take photos (if safe to do so.) This will be handy later in the claims process. Keep all receipts for expenses if you are living somewhere else while your home is experiencing repairs. Ask your broker what you are entitled to when it comes to fires and home insurance.
Learn about how home insurance can protect your house in the unlikely and tragic event of a house fire.
You can contact us toll-free at 1-877-514-7873 or email [email protected].