Most homeowners insurance policies cover several named perils, such as theft, vandalism, fire, and flooding, that occur inside the structure. Fire can cause a variety of expensive losses that can cause extensive financial loss. At Town & Country Insurance in Buford, GA, we help our clients get the right fire coverage for their needs.

What Fire Damage Does Home Insurance Cover?

A fire in your home can cause severe damage to the structure, but it can also damage many items due to the smoke that is generated during the incident and the water used to put out the fire. Your policy will generally cover any accidental fire, damage to the home, damage to personal items, loss of use of the house, liability for damage or injury to others, and damage to outbuildings. Some areas are more prone to natural wildfires, and your fire coverage can be particularly important to prevent expensive loss to your financial stability.

Cash Value or Replacement Cost Coverage?

You can choose between two levels of fire coverage for your insurance policy. Actual cash value coverage will be paid to replace items at the level of their present condition. This level generally offers coverage at a more affordable price. Replacement cost coverage pays out at the level of what items would cost to replace them with new items. This type of policy generally costs more but offers better coverage against loss.

Make Town & Country Insurance Your Agent For Home Insurance Coverage

Our experienced agents in Buford, GA, can provide detailed information about fire coverage in your home insurance policy. We offer many types of insurance for our clients, including auto, home, life, and business. Contact Town & Country Insurance today for a no-obligation quote on home insurance that will prevent expensive financial loss if your home has a fire incident.