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Does Geico home insurance cover fire?
My elderly father accidentally started a fire in his kitchen last night. Thankfully, he got out of the house OK, and most of the damage was confined to the kitchen area. I’m handling his insurance, which is through Geico. Does Geico homeowners insurance cover fire damage?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, a standard homeowners insurance policy from Geico covers fires. Filing an insurance claim will help your father replace appliances and other items damaged in the fire.
Be aware that Geico does not underwrite their own homeowners policies—they help you take out policies with other providers. This means you’ll have to submit the claim to the actual insurer.
Your father’s policy information should indicate which insurance company issued his homeowners policy. If you run into any trouble identifying the company and its contact information, you or your father can call Geico for help.
Here’s a brief overview of what a standard homeowners policy—whether offered by Geico or another insurer—will cover in the case of an accidental fire.
- Damage to personal property. Your father will receive payment to replace appliances and other items lost to the fire.
- Loss of use or additional living expenses. You didn’t say if your father needed to vacate the house. If he does need to live in a hotel or eat meals away from home while repairs are being made, his homeowners insurance will help to pay for those expenses.
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