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SeaBass Properties
Rebecca Bass, SeaBass PropertiesPhone: (843) 263-3772
Email: [email protected]

Protect your home against fire damage with home insurance

by Rebecca Bass 01/22/2024

Homeowners insurance and fire coverage featured image

Knowing what coverages your home insurance policy offers makes all the difference in securing your home. Emergencies such as house fires can happen fast, so having the right policy secures your property when disaster strikes. 

Does homeowners insurance cover fire?

Standard homeowners insurance offers coverage for fire damage. This coverage typically extends from the interior of the property all the way to detached structures such as barns, fences and sheds. 

If you’re misplaced from your home as repairs are made, standard policies also pay for temporary housing and food. 

Replacement cost versus fair value

It’s crucial to note when choosing a policy, some plans do not offer replacement costs for items. Instead, they may offer fair value price. Replacement cost is how much the item is originally worth, whereas value cost is the amount it would currently sell for in the market. 

Natural disaster coverage

Many damages caused by natural disasters are also covered under standard homeowners insurance. These perils include, but are not limited to: 

  • Hail storms.
  • High wind damage.
  • Hurricanes.
  • Lightning strikes.
  • Etc. 

Fire protection

It’s reported by the National Fire Protection Association over 300,000 house fires happen yearly. 

Dwelling coverage protects your home structure if fire damages occur. Personal property coverage financially compensates for personal belongings damaged by fire.

Having the right coverage and understanding compensation options is important to make an informed decision when choosing the best plan to protect your household.

About the Author
Author

Rebecca Bass

EXPERIENCE MATTERS

Accredited Buyer's Representative (ABR ®)

Seller Representative Specialist (SRS ®)

Pricing Strategy Advisor (PSA ®)

Rebecca W. Bass has worn every hat around the real estate closing table in the course of her career. She is an attorney, has been a mortgage banker and a real estate investor, and is the Founder and Broker-in-Charge of SeaBass Properties. She is licensed to sell real estate in South Carolina and Georgia. Rebecca had an exciting career as an international business executive for companies such as GE and Motorola. She applies her vast experience as a negotiator for the benefit of her real estate clients.

Rebecca and her husband have relocated about 15 times in the course of their marriage, so she knows very well the stress involved in finding the right home, negotiating the purchase, and accomplishing the move. They have lived in Beaufort County for over 20 years, and Rebecca is well-versed in the Lowcountry lifestyle and all it has to offer.

Rebecca has earned the impressive designations of Accredited Buyer's Representative (ABR ®), Seller Representative Specialist (SRS ®) and Pricing Strategy Advisor (PSA ®) from the National Association of Realtors. 

Her experience as an attorney, mortgage banker, real estate investor and broker-in-charge will ensure that your real estate purchase or listing for sale is accomplished with the utmost integrity and professionalism.