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zorro1701e | Fire insurance, any one know if it covers the san diego fires? |
after seeing the distruction of the current wild fires here in San Diego I am considering getting renters insurance for my apartment to cover my belongings. I told a friend this and he said that the insurance company would not pay out. Is this true? He's pretty hate filled with no reason.
My real question is, if i get insurance, should i get extra fire insurance or should it be covered in standard insurance? Does the fact that its a fire effecting many people change it?
Do the people who have standard homeowners or renters insurance get money or is there a special "Act of god clause" that will screw them?
Anyone have experience with any of this? |
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Sue
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Even the most basic of all basic policies covers fire. The only fire exclusion there is is arson by the insured.
Fire is a covered peril on tenants policies & they are relatively inexpensive. Before you go to your agent to get a quote - take an inventory of EVERYTHING you own & what it would cost to replace, new. That will be the contents limit you want to purchase. Certain items have limitations, so if you have jewelry, silver, guns, furs, coins, stamps, watercraft, etc, you will need to list them separately (with a bill of sale or an appraisal) for them to be properly covered (a good agent will tell you this). You want to be sure to include theft (some states it is included, you have to buy it in others) & replacement cost on contents. Get at least $500,000 personal liability & $5,000 medical payments.
A fire affecting many people would be known as a "cat" loss (Catistrophic loss) and usually will not count against you when it comes to renewal time. However, if there is an ongoing fire or hurricane (watch or warning issued) in your area, you will not be able to purchase a new policy or increase coverage on an existing policy until the danger has passed. |
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stephenweinstein
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Renter's and homeowner's insurance does cover fires. However, at least in California, they do not cover any damage resulting from earthquakes. (Coverage for damage resulting from earthquakes can be obtained from the California Earthquake Authority, if you want it.) |
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jaders3
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my dad works with allstate insurance, and says that if u have insurance, that if ur house got burned insurance would cover everything. it would even cover you for staying in a hotel and paying for food |
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mbrcatz
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Please don't take ANY advice from this guy, he clearly has NO idea what he's saying.
Fire is covered on all homeowners and renters policies, regardless of the cause (with the exception of arson, if you burn down your OWN house. if someone else burns down your house, it's still covered.) |
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nigyar_98
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Insurance Assistance
The wildfires raging throughout San Diego and other Southern California counties have resulted in scores of insurance claims already, the Insurance Information Network of California reported today.
(continued at http://house-insurance-site.blogspot.com/2007/10/insurance-assistance.html ) |
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ernesto_tig
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Yes if there is a policy in place, it would be covered. As a renter you'd get contents coverage + loss of use if your place is torched (plus any other endorsements). Fire is not excluded unless you started it yourself.
Actuaries in California would factor in the frequency of fires into their pricing, so you policy would probably cost more than the same policy in Ohio. Many companies would probably choose to leave Cali, except the state is HUGE! With such a large population, insurance Execs. have a hard time saying no.
Getting the policy is the trickier part. Insurers field underwrite policies to determine if a home in Cali is higher risk of being burned:
Is it near open brush? Does it have a cedar roof? Is the siding fire resistant? Does the homeowner keep combustible materials near the house?
If a homeowner takes all possible precautions and the house still burns, then the insurer pays out. It is possible that some of the bigger mansions near the burn couldn't get insurance or have high deductible coverage, but if you're a movie star, you can afford to self insure. |
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Kalifornia Citizen
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Fire is one of the seven basic perils that is included in homeowners insurance. Don't ask me the other six, I got out of the insurance racket 20 years ago.
Knowing California insurance laws, though. I am sure there will loopholes galore for the insurers to use to weasel out on the claims. |
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