There are very few disasters that can cause as much damage to your house as a fire. In just minutes, a small flame can turn into a roaring fire that can destroy your house and all of your belongings. Making sure that your house is protected with the right insurance policy can help to give you the peace of mind you deserve.
There are two ways that you can keep your house protected in case of a fire – a standard homeowners insurance policy or a dwelling fire policy. A typical home insurance policy will provide coverage for the structure of your house, as well as all your personal belongings that are destroyed during a fire up to the limits of your policy. A dwelling fire policy will only provide protection for the structure of your house, and not for any damage that is done to your belongings that are inside. Most dwelling fire policies are used to cover vacation homes or second homes.
If you have to file a claim after your home is destroyed or damaged from a fire, make sure to document the damage with pictures. Having the proper documentation can help the process go much easier. You should contact your insurance agent as soon as possible so that the claims process can get started. Many policies have a strict time limit of when you can file a policy, and if you miss that deadline, you will be left without any coverage.
Luckily, there are many steps that you can take to help protect your house from a fire. Installing and maintaining smoke alarms can help to warn you and your loved ones to a fire so that you can get to safety and call for help. Some smoke alarms will even connect to your local fire station to alert them to any issues.
For all of your real estate needs when looking for the perfect house that is in a low risk Chino Hills, CA area for fires, contact John & Michelle.