does homeowners insurance cover fire?

House fires are no joke, costing homeowners billions of dollars' worth of property damage every year. Whether vandals set your house ablaze or you accidentally started a fire in your kitchen, read on to see when homeowners insurance can help step in.

how home insurance protects against fire and other perils

In 2014 alone, civilian fires resulted in nearly $12 billion in direct property damage, according to the National Fire Protection Association. Luckily, fire — and a ton of other hazards — are typically covered by a standard homeowners insurance policy.

That means financial protection for repairing your house, replacing your valuables, and even covering additional living expenses if you need to stay elsewhere temporarily if fire wreaks havoc on your place.

What's more, a policy from Esurance provides an automatic $500 worth of coverage to help pay for fire department charges, and you can increase that limit at any time. Cue a hefty sigh of relief.

It's all the more reason to get a free quote online for homeowners insurance from Esurance, which goes above and beyond to offer coverages you can tailor to your life, discounts designed to help you save money, and 24/7 customer service.

If real-life people are your thing, you can speak with our agents any time at 1-866-439-5633 to see how you could benefit from joining the Esurance family.

does homeowners insurance cover arson?

Although arsons accounted for just under 4 percent of all structure fires in 2014, they still amounted to a whopping $729 million worth of destroyed property — an increase of about 10 percent from 2013 — according to the National Fire Protection Association.

Provided no one in your household was responsible, homeowners insurance can typically help with any rebuilding or repair costs if an arsonist targets your home and causes damage.

And if you have an Esurance policy, we'll even pay up to $5,000 for info leading to an arson conviction in connection to a blaze that damaged your place. How's that for peace of mind?

Your homeowners insurance policy will only pay up to the limits you choose for each coverage, so it's key to carry enough protection to cover the full rebuilding cost of your home should a catastrophic fire or other peril destroy it. That way, you won't have to dip into hard-earned savings just to make your house feel like home again.

how preventing fires can pay off

There are plenty of perks to practicing proper home fire safety. For starters, Esurance offers the Home Safety Features discount when you install smoke detectors, a water safety system, and more, to help keep your house protected from fire — and the more safety features you have, the more money you could save on your homeowners insurance.

Maintain a smoke-free household? Score another money-saver with our Smoke-Free discount (and pat yourself on the back for significantly reducing the risk of fire in your place).

Other than not smoking cigarettes, there are plenty of ways you can prevent fires and try to stay safe in the event of one:

  • Install smoke alarms on every level of your home, namely inside bedrooms and around areas where you sleep.
  • Keep at least one fire extinguisher in your home, especially in or near the kitchen.
  • Test smoke alarms once a month. If yours run on batteries, replace if needed.
  • Come up with a fire escape plan (PDF) and practice it with your family twice a year. According to the American Red Cross, you may have only 2 minutes to escape if your place goes up in flames. Having a plan in place can truly save lives.
  • In the unfortunate event of a house fire — get out immediately, stay out, and call for help.

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Does homeowners insurance cover vandalism?
Learn how your homeowners policy may be able to help if you ever need to file a vandalism claim.

Get your free quote online

or call 1-866-439-5633