It protects your home’s structure in the event of fire or natural disaster. Additionally, it safeguards the contents of your home.
Your deductible would still be covered by your property insurance if a fire broke out in your kitchen.
Coverage is different for different kinds of property insurance. For instance, if a fire broke out in the kitchen of your rented apartment, you could only file a claim for the personal items that were damaged. You could not file a claim for repairs to the kitchen’s cabinets, walls, or other features that you don’t own.
Read your policy carefully to find out what is and is not covered. For instance, if you deliberately set fire to your kitchen in an effort to get money, your insurance company won’t cover it, and you could be accused of fraud. Special investigation units may be established by insurers to look into arson-related claims.
