Does Homeowners Insurance Cover Wildfires?
As the likelihood and intensity of wildfires increase, so do concerns regarding coverage. Dealing with these destructive forces of nature and the damage they leave in their wake can be a daunting experience, but if your Santa Monica or Hawthorne home has been scorched, then your Allstate homeowner’s insurance policy may be able to help!
What Can A Homeowner’s Insurance Policy From Our CA Allstate Insurance Center Cover?
Homeowner’s insurance from Allstate typically safeguards your home and belongings from specific perils, including fire, up to the limits outlined in your policy. This may extend to wildfires, however, it’s important to note that coverage may vary by location and policy. If your insurance plan does cover wildfire damage, then you may have the following forms of coverage:
- Personal Property Coverage: This form of coverage is usually offered in a standard homeowner’s insurance plan and can help replace any of your belongings destroyed in the blaze.
- Additional Living Expense Coverage: If you’re forced to evacuate during the wildfire or home is deemed uninhabitable and must be repaired then your insurance may help pay for reasonable living expenses like food, a hotel, and transportation.
- Landscaping Coverage: You may not think of your yard or trees in the aftermath of a wildfire, but your plan may provide limited coverage for plants, shrubs, or lawns damaged by a covered peril like a fire.
It’s important to note that wildfire coverage may come at a higher cost to more at-risk homeowners, but those in the CA area lacking these levels of coverage don’t need to worry as California has made plans to expand the last-resort FAIR plan to accommodate needy homeowners.
It can be tough to pick up the pieces after your home and belongings have been destroyed but knowing exactly what your homeowner’s insurance covers can help you be better prepared to face possible damage from wildfires. For more information on our Allstate homeowners insurance policies or for additional questions about coverage, please don’t hesitate to contact us at Sully Insurance Center!