Basic Information About Renters Insurance and Fires

10/9/2019 (Permalink)

Renters insurance covers a variety of expenses after a fire so be sure to check your policy

Basic Information About Renters Insurance and Fires

If you’ve ever experienced the devastating effects of a home fire, you’re likely aware of what your insurance covers. If you’ve never had to deal with fire damage, you’re probably not sure what’s included. Here is some basic information about the three types of coverage and how they relate to your renters insurance after a fire.


Personal Property


Under personal property coverage, fire is considered a covered peril. A peril is any type of unexpected event that results in your personal belongings being damaged or ruined. One thing you can do if you experience a home fire is call a fire restoration specialist to assist in fire damage cleanup. These professionals are Faster to any size disaster and can help clean and remove the prevalent smoke smell from your home. Once you’ve had your home cleaned, you’ll be able to determine what items need to be replaced under your personal property coverage.


Liability


Liability is another type of coverage under your renters insurance. This coverage applies when a fire causes injuries or damage to someone and their belongings due to the fire in your home. As with all types of coverage, limits apply so be sure to understand the specifics of your policy.


Additional Living Expenses


If you’re not able to live in your Elmhurst, IL, apartment or home due to fire damage, your insurance should cover additional living expenses. Fire restoration is essential after a fire and it may take some time until you’re able to return back home. This coverage could cover hotel and food expenditures above what you would normally spend.

Renters insurance covers a variety of expenses after a fire so be sure to check your policy. Personal property, liability and additional living expenses are three types of coverage you should include in your policy. Fire restoration is an important part of getting your home back to normal so contact a professional for assistance.