What Does Home Insurance Cover in a Fire?

Whether they are man-made or natural, accidents can happen at any time. Property loss brought on by an unforeseeable accident cannot be understated. While most people invest their entire lifetime’s worth of savings into purchasing a property, they hardly ever realise that the home also needs security. A comprehensive home insurance policy is generally advised because it protects you from mishaps and disasters.

A home insurance policy protects the building’s structure, its contents, any personal property, or both, against any loss or damage brought on by the fire. Comprehensive home insurance pays for the costs of repairing, rebuilding and replacing the building’s structure and the contents in the event of a fire accident.

What is covered by a fire section of homeowners insurance?

Any home insurance policy provides coverage for your home’s components — the building’s structure and contents. A consumer has the option of choosing a cover for the content, the structure, or both.

A homeowner’s policy typically contains multiple different types of coverage, such as:

  1. Dwelling protection: In the event of a calamity, this covers the costs of repairing or rebuilding your home’s structure.
  2. Structure coverage: This insurance covers any detached structures on your land, such as fences, sheds, and garages.
  3. Personal property coverage: This insurance covers your possessions, including furniture, clothing, and electronics. For particular things, like jewellery, you can get a supplementary precious items coverage.
  4. Loss of use coverage: This would pay the increased living costs if, for instance, you had to vacate your home while it was being repaired or rebuilt.
  5. Personal liability insurance: This protects you in the event of a claim and can assist in defraying the expense of your legal defence should you or a member of your family be held accountable for third-party property damage or bodily harm.

The following are some of the dangers listed under the fire section:

  • The insurance covers fixtures and fittings, building expenditures, and renovation costs against fire and related risks.
  • The fire & burglary insurance covers against fire and related risks, as well as burglary, are provided for household appliances, home goods, jewellery, etc.
  • If your home is damaged by an insured peril, such as a fire accident, rent for alternative housing will be provided. Allied perils include calamities and accidents like explosion and implosion, fire, lightning, impact damage, damage by aircraft, storms, cyclones, tempests, typhoon, tornados, flood & inundation, malicious damage, strike, bursting of water tanks, leakage from sprinklers, and bushfire.


Depending on the insurance company, the coverage could differ. Before applying for home insurance, carefully read the policy wording. Use a home insurance calculator to compare and choose the best policy as per your need.

Another important factor in preventing home damage is prevention. Verify the functionality of your smoke alarms, the accessibility of your fire extinguishers, and the readiness of your family’s emergency escape plan. If your home has specific safety features, you can also be qualified for insurance concessions.

We can understand why it’s crucial to ensure that your home is adequately insured if a fire or calamity causes damage. Review your policy carefully to understand what is and isn’t covered, and then talk through your alternatives with your insurance company or agent to help you feel more at ease. To save money on your policy, you can combine your home insurance with another form of policy, like vehicle insurance, from the same provider.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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