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The Difference Between Homeowners Insurance and Fire Insurance

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The Difference Between Homeowners Insurance and Fire Insurance

Is Fire Insurance the Same as Homeowners Insurance?


Most homeowners purchase a home insurance policy without properly understanding their coverage. As a result, they end up realizing that they don’t have the right coverage when an accident has happened and it’s too late to secure cover. One common misconception is that homeowners insurance in Calimesa, CA is the same as fire insurance. Most standard home policies cover fires damage, but it’s wise to check your policy.


Homeowners insurance companies today offer a variety of different policies to protect properties. Whether you only want basic coverage to protect the structure against fire or a comprehensive policy to cover theft, vandalism, and identity theft, you can find it. Most standard homeowners insurance policies will cover most major disasters barring flood and earthquake damage.


The difference between fire insurance and homeowners insurance is blurred today because so many agents still call home insurance fire insurance and vice versa. When looking to secure fire insurance or home insurance, you should ensure that the coverage is what you are expecting. Some agents will provide a cheap quote that attracts many homeowners, yet does not include all the coverage they expect or require. For example, if you own items of high value, such as jewelry and fine art, you may need a floater to go along with the policy to safeguard these valuable possessions.


Does your home insurance adequately protect your property from fires? Talk to your home insurance agent today to learn more about how to better safeguard your property. For all of your homeowners insurance needs, talk to the professionals at Little & Sons Insurance Services, serving Banning and neighboring cities in California.


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