Does Homeowners Insurance Cover Fire Damage?

If you have recently purchased a home in The Sunshine State and you are wondering whether or not to get Florida homeowner insurance, this article is for you. Florida homes are at risk of wildfires, so we highly recommend getting adequate protection for your property. Standard home insurance covers the repair or replacement of your house, detached structures, and belongings. 

Does Florida Homeowner Insurance Cover Fire Damage

Your homeowners’ insurance will combine a number of policies to cover you in the case of an accident or damage. Let’s take a look at how each type of coverage would help in case of a fire.

Dwelling and Loss of Use Coverage

Dwelling coverage ensures that if an accident happens in your home that starts a fire, insurance will pay for the cost of repairs. This also covers you in the event that you need to vacate your home for a while. If your home is burnt in a fire and becomes uninhabitable, Loss of Use insurance could help to pay for the cost of your hotel, and other costs related to your displacement.

Detached Structures

Most standard homeowners’ insurance policies will help to pay for the repair or replacement of structures on your property, like a toolshed or fence. If you have detached structures on your property, you must ensure that this is part of your policy.


In some instances, if the trees and shrubbery in your yard are destroyed by fire insurance can help to pay for the landscaping. This does not always come standard, so make sure to check your policy if this is important to you.

Personal Property

Homeowners’ insurance covers the costs of fire, smoke, or lightning damage to your belongings including items like furniture, clothing, and appliances. In most cases, insurance will pay to replace items if necessary.

What Fires Are Covered By My Insurance?

Candle Fires

If you or one of your children or pets knocks over a candle and starts a fire in your home, this will be covered by your insurance.

Grease and Electrical Fires

Say your cooking oil catches fire, or a power surge or short circuit causes a spark to start a fire in your kitchen. You can rest easy because the fire and smoke damages will be repaired by your homeowner’s insurance company.

What Is Not Covered by My Homeowner’s Insurance?

Fire that is caused deliberately (arson) is not covered by your insurance. Additionally, typical homeowners’ insurance excludes natural disasters like earthquakes or floods, war, nuclear hazards, maintenance issues (like if something is poorly made), and food spoilage.

Fire and smoke damage can be hugely expensive to repair. We suggest covering your property to ensure that you are protected in case of accidents. If you’d like to learn more about fire insurance in Florida, contact us at Absolute Choice Insurance, and we’d be happy to talk you through our policies and give you a quote if necessary.


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