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Candles, while attractive, are a common cause of preventable home fires, leading to over 7,600 incidents annually. Most fires start when candles are placed too close to flammable objects, a situation easily preventable.
Does insurance cover accidental fires?
Homeowners insurance can cover accidental fires. If one of the fires covered by your home insurance is caused by accident — like if you accidentally knock over a candle — your homeowners policy usually covers the damage to your home caused by that fire. Need help with your insurance fire claim? Contact The Shelley Group, Inc. today for a free claim review!
What types of fire aren’t covered under insurance?
A fire that you cause intentionally is usually not covered by homeowners insurance. For example, if you purposely set fire to your home, your homeowners insurance will not cover the damage to your home that you caused. If you live in an area prone to wildfires, it may be difficult to get home insurance that covers wildfire damage due to the risk involved with insuring homes in those areas.
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