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​A standard homeowner's insurance policy usually provides coverage for damage to your home and your belongings. The majority of home insurance policies cover damage that is caused by fire, so home fire insurance quotes are often rolled n with that policy.

Are Fires Common

Fires can be caused by a number of things, ranging from power surges and lightning to candle and oven mishaps, others as well. Even more importantly, fires are not that uncommon. It has been reported that over 350,000 fires happen in residential areas every year. Because of this, knowing how much coverage your home fire insurance quotes provide, and what they cover regarding fire, is critical.

Dwelling Insurance

Homeowner's dwelling insurance typically covers the structure of your home, in addition to attached structures. A kitchen fire, for example, would likely be covered by your policy. If your home is unlivable because of repairs or rebuilding that stems from fire damage, your policy will probably cover the costs of renting another living space.

Other Structures Insurance

Often, there is also coverage for other structures on your property included in a standard policy. This can cover things like detached garages, sheds, and fencing around your property. Some companies have this as an add-on to your plan.

Personal Property Protection

Standard insurance policies often include personal property protection as well. This can cover things such as appliances, furniture, and dishes. Personal belongings are usually protected from covered risks. These risks can include fire, power surges, and lightning strikes. If your personal belongings are damaged in a fire, your policy may help replace or repair them. If you have expensive items such as jewelry, collectibles, or fine art, additional insurance protection may be needed.

What You Need To Know

General Insurance provides flexible policies that will fit your needs. The fact is, no individual policy, or pre-made set of policies, will surely fit your unique situation. With General Insurance, you can choose your limits (the maximum your policy will reimburse you after a loss that is covered). 

You will want to set this based on variables such as the value of your home, the value of your belongings, and how much liability protection you would like. As your life changes, so do the values of your home and personal belongings. Taking a look at your policy every year or so will allow you to keep up with your needs and make sure you are properly covered.

Discounts On Home Fire Insurance

Another notable piece of information; Discounts included in home fire insurance quotes that you can receive by helping protect your home in case of fire occurs decrease your premium costs. Smoke detectors, fire extinguishers, and sprinkler systems are all great ways to get discounts on your homeowner's insurance.

Final Notes

When it comes to home fire insurance quotes, General Insurance is top-of-the-line. We provide affordable, quality insurance that is designed with your needs in mind. A free quote is waiting for you, and is available both online and over the phone. Contact us to save money and get protected.

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