Comprehensive coverage applies when the vehicle is.

What does fire policy cover. Youll only get reimbursed for expenses that are comparable to your standard of living. The dwelling fire policy broad form is also a named perils policy and covers the same perils as the basic form with the following additions included. Also referred to as a basic or named perils policy.

So if there was a short-circuit in your apartment that caused a fire youre covered. If the source that caused the fire isnt covered by insurance ie. It only covers the risks to your home and contents that are named in your policy.

Fire lightning explosion falling objects impact by aircraft or land vehicle riot water smoke windstorm hail vandalism theft transportation of personal property electricity accidental glass breakage and collapse due to weight of snow ice or. Depending on the strength of your policy you might receive coverage for the incidental fire destruction from smoke charring lost income due to prolonged business closure and even the damage caused by firefighters. On a standard homeowners insurance policy you may be protected against fire under the following coverages.

Fire insurance much like the named peril covers accidents that result in fire. If youre temporarily displaced from your residence due to fire you may also be covered for additional living expenses such as lodging and meals above what youd normally spend. For example say your standard policy names fire.

But losses caused by earthquakes flooding landslides and mudslides are often excluded by homeowners insurance. A standard policy provides less coverage than a comprehensive policy. But it wont cover earthquakes and floods.

Glass breakage as long as the building was not vacant for 60 or more days before a loss. Homeowners insurance protects your property against covered perils including fire smoke wind hail and theft. Dwelling coverage in the event of a total loss would amount to actual cash value only with an HO-8 policy as well.