After a fire occurs, there is likely to be a variety of damages to your property. Depending on the damage and the situation, you may be covered to repair or replace the items in your house. Texas homeowners insurance will usually cover damages that are related to fires, even if it is just damage from the smoke.
Most homeowner’s plans will include fires as part of the coverage that is provided on your property. Since covered perils can vary, you may need to read your policy thoroughly to determine the exact details that are available in your plan.
Although many plans will cover fires, the damages from smoke that are covered may vary. In some cases, you may have limitations on your plan that relate to the total cost or percentage of the plan that can be applied to the situation.
If you are worried that the potential cost of repairs and replacing personal items may be exceed the current coverage on your plan, then you can purchase additional protection. Some insurers will allow you to add to the plan for specific situations and perils. For example, you might add coverage for personal belongings if you are worried that the smoke from a fire will add to the total damages and that your home will be hard to repair without the extra protection for your personal belongings.
Smoke can damage your personal belongings as quickly as the fire, even if the fire does not ever reach the room or it is stopped quickly. The problem is that replacing your personal belongings or repairing parts of the house that were damaged by smoke can be costly. Fortunately, many plans will cover the situation. Contact us to talk to an agent to learn more.