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Fire & Water - Cleanup & Restoration

What You Should Know About Fire and Renters Insurance

5/28/2020 (Permalink)

SERVPRO Logo. While you never want to experience a fire in your home, you need to be aware of what your renter's insurance coverage includes to be prepared.

A landlord should have property insurance to cover damages to the home structure. As a renter in Baton Rouge, LA, you need renters insurance to cover losses and damages to your belongings. You may be wondering what level of coverage is offered by your policy. It is important to know the particulars of your policy, especially when fire damage is involved. You need to understand what is covered by your particular plan in case of loss and injury as a result of a fire.

Renters Insurance Policy Coverage
The following is usually covered by most renters insurance policies:

If you lose items due to a fire, your policy covers personal property. Check to see that your plan offers the replacement value instead of the actual cash value of lost items. The cost to replace your furniture, for example, maybe more than their current cash value.


If you’re responsible for the fire, your plan covers the loss and injury that results, such as property damage or injury to a neighboring unit.


Most policies include medical payments to others with limited coverage for small injuries that result from a fire.


If your home is not livable during the fire cleanup process, your policy covers loss of use and temporary living expenses incurred.

You owe it to yourself to know what your insurance plan covers when it comes to fire damage.


Fire Restoration Guidance
While you never want to experience a fire in your home, you need to be aware of what your renter's insurance coverage includes to be prepared. Consult with a professional provider of fire restoration services. They should be fully knowledgeable on the best methods of fire damage cleanup to not only restore your home to pre-fire conditions but also to minimize the disruption to your life. If there is damage due to extinguishing the fire, these experts will also know the best processes for cleanup that will prevent further damage to your items.

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