Most homeowners insurance policies cover fire and smoke damage, but some insurers may limit or not offer coverage if your risk is higher. You should contact an insurance agent or broker if you need separate fire insurance or have questions. An agent who is a REALTOR® can help connect you. Depending on where you live, your property may have varying degrees of risk of sustaining damage from a wildfire. Even if you aren’t in a high-risk area, you should fully understand your insurance coverage in the event of a fire. Here’s what you need to know:
All guides in the Consumer Guide series are available in both English and Spanish, can be downloaded from facts.realtor.
We are sharing these resources with you to help ensure you’re equipped with the knowledge you need to navigate your homebuying or selling journey.