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Mick B | Is it possible to buy insurance JUST for fire & nothing else for a home? |
Additional Details
I can afford to stand all oter risks exept total destruction by fire & no I'm certainly not planning to have a fire!
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INS CSR-L.A. County
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It is possible, but not advisable. Most insurance brokers offer non-standard, or surplus lines coverage for basic fire insurance.
Unfortuantely, if you strip it down to JUST fire, and end up having a windstorm which knocks a tree into your house, you are out of luck. Or if an uninsured driver makes your living room into a drive-thru. Or if your toilet overflows while you are on vacation, and floods the place, distroying the floors and walls.
Fire insurance pays for just fire. Not the cost to find another place to live until your house is rebuilt. It does not provide replacement of your possessions.
So, what I would suggest, is a Broad form coverage. That provides for fire, theft, wind, vehicles, etc., but instead of REPLACEMENT cost, it gives you actual cash value. So if your house is 25 years old, it takes what the value of it at the time of the fire minus depreciation, and that's what you will be receiving as a settlement. It is NOT the best coverage, but it is a far cry from fire only. You never know when that wild windstorm or falling tree branch will render your home red-tagged.
Another problem of buying just fire insurance is lack of personal liability insurance. What happens if your kid gets in a fight with someone on the school grounds and breaks his nose, glasses, etc? Your homeowner insurance would pay that kid's medical bills. Or if your dog bites the mailman? Your liability would cover that, too. |
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Queen B
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sure you can...its called a dwelling fire policy and specifically a DP1 Form. It is the most basic fire policy you can get. It does not carry replacement cost, it is written on ACV. |
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Luna & Lawnboy
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You can, but I certainly would not recommend it. You note that you could cover all other losses except a total loss to your home and contents. What happens if somebody sustains a serious injury on your property and you were negligent? Can you afford to compensate the injured party? You could be devasted for life should this happen. I really think you should reconsider. |
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mrsdeli
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Unless you don't have a mortgage on the home, you are required to have Homeowners insurance. You can't have a mortgage without coverage. If you don't have a mortgage, you can have dwelling fire coverage, but it's not smart...it's limited and will cover content. |
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The Drunken Fool
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no. you would need buildings and contents cover to get fire insurance that pays out for all of your stuff for a fire.
It is a strange question that leads me to think there may be a reason you ONLY want fire...... |
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simplesimon
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You MAY be able to convince an insurer to do a specialist policy for you, but to be honest its such a dubious request I doubt there would be much of a premium saving for you anyway. Insurance broker would probably be the best avenue to finding a suitable policy...
NB: this woud only apply if the property was unmortgaged, otherwise you will be breaking the terms of your mortgage by not having full buildings insurance. |
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Gambit
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Maybe if you went back in time 200 years. Otherwise you have two options: Ask for the most basic policy an insurer has, which would cover Named Perils on both the Home and Contents, or get a broker to arrange a manuscript policy with a specialty insurer, which will end up costing you three to four times as much. |
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boo yaka sha!
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do you plan on burning your house down and doing a claim? then with all the floods this last year why would you just want fire protection? |
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groovymaude
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No I don't think so. You can afford to rebuild after an explosion can you? what if a truck or uninsured vehicle crashes into your property............what if,what if? Some very unusual but devastating things can happen! even if it's a flat/apartment your property could still be severely affected by what happens to the block. |
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miss (chocolate) starfish
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i agree with the first answer
its strange why you want that
are you planning something.....? |
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suzie2101
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Building insurance. |
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Jim C
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It varies from state to state, but in most states you can get what's called a fire policy. This usually only covers the structure, not contents. And I'm pretty sure you can't get it if you owe money on the house, or reside within it. |
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Malcolm
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Don't be so suspicious guys! I don't see 'fire only' as a strange or sinister idea. I live at the end of a road myself, so it's very unlikely that any passing cars will demolish my house - plus it's sheltered enough to withstand most storms. Earthquakes and nuclear wars are never covered anyway. With the rapid rise in policy prices, I'd be more than interested to find some way of lowering mine. |
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