Southern California can be a great place to live, but it’s not without some natural disasters to cope with. Frequent and destructive wildfires are unpredictable scourges of the area. If a fire is spreading to your area, get to safety first and foremost. Once the fire’s out and it’s time to return to an everyday life, you might want to report damage to your insurance company. Fortunately, a standard homeowner’s insurance policy generally includes wildfire damage. This will cover your home and belongings and any living expenses incurred from evacuating. However, the extent of coverage largely depends on your location and insurance provider.

The Different Types of Coverage

If you had to stay in a motel while your house was uninhabitable due to wildfire, Additional Living Expenses (ALE) will take care of temporary living costs. Dwelling coverage will be based on property value if your home needs repairs or rebuilding after a fire. Liability coverage will handle all medical and legal expenses if someone is injured on your property during a wildfire. If you have a shed, greenhouse, fence, or other structure on your property, you will want to look into other structures’ coverage to protect them financially. Personal property coverage is necessary to recoup losses due to damage to personal belongings inside the house due to fire. That would include clothing, furniture, and electronics. Remember that you need to buy extra wildfire insurance in parts of California because it’s such a high-risk area.

Biddle-Shaw Insurance Services Inc. serving San Francisco, CA

If you live in the San Francisco, CA, area and want to insure your home, don’t hesitate to get in touch with Biddle-Shaw Insurance Services Inc. We’re here to help!