What Does Homeowners Insurance Typically Cover in Fire-Prone Areas? (

When you buy a home, you’ll need to have home insurance to cover a variety of unexpected events that could do damage to your home. Typically, your homeowner’s insurance policy includes coverage for repairs in the event your home is damaged in a fire. But if your home is located in a high-risk location for fire damage like Colorado Springs, CO or Oklahoma City, OK, you may need to purchase a separate wildfire insurance policy.

To help you prepare for unforeseen wildfire damage and determine if you’ll need to purchase a separate wildfire insurance policy, here’s a breakdown of what repairs your homeowner’s insurance likely covers in fire-prone areas.

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