Understanding Fire Coverage in Your Home Insurance Policy

Most standard homeowners insurance policies in Georgia include fire coverage as a core component. This means your policy may help pay to repair or rebuild your home if it’s damaged by fire. In addition, fire coverage often extends to:

• Personal belongings: Items such as furniture, clothing, and electronics may be covered if they’re damaged or destroyed by fire.
• Detached structures: Garages, sheds, and fences on your property may also be included in your policy.
• Additional living expenses: If a fire makes your home uninhabitable, your policy can help cover temporary housing and related costs.

Common Exclusions to Be Aware Of

While fire coverage is broad, there are some situations where your policy may not provide protection. Common exclusions can include:

• Intentional acts: Damage caused by intentional or criminal acts is not covered.
• Negligence: Failing to maintain your home or address known fire hazards may result in denied claims.
• Certain types of property: High-value items like jewelry or collectibles may have limited coverage unless you add extra protection.
• Wildfires: Some policies may have specific limitations or exclusions for wildfire damage, which is important to review given Georgia’s climate.

Consult your insurance broker to make sure you know your policy’s specific exclusions.

How Our Team Can Help

At Wilson Insurance, our team is dedicated to helping Georgia homeowners understand their policies and identify any gaps in coverage. We’ll review your current home insurance, explain what’s included and excluded, and recommend options to strengthen your financial protection so you can feel confident in your policy.

Contact us today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.