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  • Writer's pictureCharlotte Burr

Homeowners Insurance and Wildfires: Are You Protected?



Does homeowners insurance cover wildfires?


The short answer is yes.


Standard homeowners insurance policies typically cover damage caused by wildfires. Homeowners policies have coverage for fire damage to the house itself, other structures on the property (garages or sheds), and personal belongings. Additional living expenses are also covered if you're forced to evacuate or cannot inhabit your home due to the wildfire. Additional living expenses are used to cover the excess costs of living elsewhere while your home is being repaired after a covered loss.


However, it's important for homeowners to thoroughly review their insurance policy to understand the specifics of their coverage. While most policies cover wildfire damage, there may be variations in coverage limits, deductibles, and exclusions depending on the location of your property.


In Northern Arizona for example, it is almost impossible to get an affordable price on homeowners insurance due to the increased wildfire risk. With wildfires becoming more prevalent in the western half of the United States, it will become harder for home owners to get adequate coverage for their property.


Here at AZ Insurance Team we help everyone get the best possible quote on homeowners insurance, even at high risk areas! Give us a call today at (480)-535-5709


Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy.

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