If you’re a homeowner, you take comfort in knowing your homeowner’s insurance will protect you if the unexpected should occur. Your home is your biggest asset, and if a fire causes damage to your home, you need to know that asset will be safe. At Value Plus Insurance, we go above and beyond to make sure your home is protected in case of a fire. We’ve put together this helpful guide to help you understand how homeowners insurance protects you after a fire.


Keeping Your Home Safe

One of the best ways to protect your home from a house fire is by regularly checking your smoke detectors and fire extinguishers. But sometimes that’s just not enough to protect your home. Whether the cause of your house fire was a candle or the stove, homeowners insurance will more than likely cover the costs of repairing your home.


Home Repair Expenses

Homeowners insurance ordinarily covers the dwelling and structure of a home including attached structures like garages. Detached garages and fences are often covered, as well, with some policies even covering landscaping such as shrubs and trees. But most homeowners don’t think about the unexpected costs of being out of your home during a repair. All of those hotel costs and restaurant tickets can add up pretty quickly. Fortunately, most homeowners insurance helps pay for those expenses while you are unable to stay in your home during the repair process.


Replacing Your Personal Belongings

One of the hardest things about a house fire is losing so many of your personal belongings. Whether they are damaged or destroyed, everything from appliances to computer equipment and clothing may need to be replaced. You may even need to replace food and toiletries. Homeowners insurance typically helps protect these items and gives you an allowance to replace everything you need to get your household back on your feet again.


You may want additional coverage in case of valuable items like these:

●        Art

●        Antiques

●        Jewelry

●        Collectibles


Minnesota and Wisconsin Homeowners Insurance Company

As a homeowner, you can’t afford to leave anything to chance. A house fire can be devastating, but it doesn’t have to shut down your life. Value Plus Insurance serving Minnesota and Wisconsin can connect you with homeowners insurance that will give you peace of mind. Whether you are a first-time buyer or you are looking for a higher level of protection, we can help. Call our brokers at 952-435-0550 for a homeowners insurance quote, or contact us to learn more about how our insurance company experts can help.