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Home Insurance

Home Insurance in High Fire-Risk Areas

Living in California has plenty of perks. Compared to citizens of other states, Californians are healthier, attend better schools, and enjoy an overall higher quality of life. The chance of having your home damaged by fire, however, is one of the downsides to life in the Golden State. Therefore, it is crucial to have good home insurance in places where seasonal wildfires are likely to occur.

Expenses Covered by Home Insurance

Home insurance in high fire-risk areas should always cover the following expenses:

  • Repairing or rebuilding your entire house
  • Replanting trees and shrubs on your property
  • Reimbursing up to 70 percent of the value of personal belongings such as clothing, furniture, and sentimental items
  • Staying in a hotel and eating out while your home is repaired
  • Paying for damages if someone else is injured on your property during the fire

All insurance companies do not handle fire risk in the same way, so it is a good idea to shop around. Once you have settled on a policy that covers all the expenses listed above, the next step is to conduct a thorough inventory of everything in your home. Remember, a good home insurance policy and a complete list of assets will protect your investment in case you fall victim to fire.