PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does home insurance cover an accidental fire?
Last weekend, my husband accidentally caused a kitchen fire while cooking. Luckily, the fire was contained to the kitchen and no one was hurt, but it did a lot of damage. Will our home insurance cover an accidental fire?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about the accident, but thankfully your family is safe. Another piece of good news:
home insurance
policies do typically cover accidental fires. Standard home insurance policies provide the following when there’s an accidental fire:
- Dwelling coverage: This coverage will help to rebuild the area of the kitchen that was damaged. It helps with repairing or replacing sheetrock and countertops, for instance.
- Loss of use coverage: If your family must live elsewhere while the damage is being repaired, this part of your policy will pay for a short-term hotel stay.
- Personal property coverage: I assume appliances and other kitchenware were damaged. Your policy will payout to help you replace these items.
When doesn’t home insurance cover fire damage?
- If the fire was intentionally set by the homeowner, insurers will not payout.
- If the fire was caused by unpermitted renovations, this may also result in the insurer denying coverage.
Best of luck recovering from the fire damage!
Concerned about whether homeowners insurance covers fires or other accidents? Turn to
car insurance
and homeowner insurance app Jerry
for help. Jerry’s knowledgeable agents are available 24/7 to answer your questions. They can help you find discounts on your policies to save you money. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies