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Is fire insurance the same as home insurance?
I am a lifelong California renter who is about to purchase his first home. I want to make sure I’m covered for any fire damage. Is fire insurance the same as home insurance? Or is it a separate policy?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on purchasing your first home! We’ve got good news—fire insurance is usually a part of
home insurance
!Homeowners insurance protects your house from any
named peril
on your lease. Named perils are sudden, unexpected events. Fire is almost always listed as a named peril. That means your home insurance policy will protect you from fire damage.Types of fires covered include:
- Wildfires
- Accidental fires
- Grease fires
- Electrical fires
Before you purchase a homeowners policy, you need to download the
Jerry
app. Jerry is a licensed broker created to simplify insurance shopping. One free sign-up will give you access to a massive collection of insurance quotes, all from top providers. You’ll be able to find a great home insurance policy in just a few minutes.MORE: How to decipher home insurance quotes](
https://getjerry.com/advice/how-to-decipher-home-insurance-quotes-by-brady-klopfer
)View full answer
- Gregory R.
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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.
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