According to the National Fire Protection Association, U.S. fire departments attended to 346,800 house fires between the years 2015 and 2019.

A fire insurance is one type of property insurance that covers losses and damages that may result from a fire. Aside from covering and replacing damaged properties, this kind of policy covers temporary living expenses if your home was unhabitable.

Aside from a few exclusions, anything that is considered detached structures on your land like sheds, detached garages, or fences may be covered by the insurance plan as well. Some policies may even cover damages related to landscaping like bushes and trees.

It’s important to have a deep understanding of what you Fire insurance policy includes and your best options for protecting your house.