Dwelling or building
Rebuilding the structure at current construction costs.
Personal Insurance
Fire insurance inside the policy you already have.
Fire is a named peril in almost every property policy. What matters is the limit, the settlement basis and whether the income is covered too.
Fire is rarely bought as a standalone product any more. It is a core peril within homeowners, dwelling fire and commercial property policies, and the useful questions are about how much cover you have rather than whether fire is included.
Rebuild cost, code upgrades and lost income
The dwelling limit should reflect what it costs to rebuild today, not what the property is worth or what you paid. Construction costs move, and a limit set several years ago is frequently short.
Ordinance or law cover pays the extra cost of rebuilding to current building code, which older properties routinely trigger after a serious fire. For rental and commercial property, loss of rents or business interruption covers the income lost during the rebuild.
What it covers
The parts of a fire insurance policy
Contents
Belongings or business contents destroyed in the fire.
Ordinance or law
The extra cost of rebuilding to current code on an older property.
Loss of use or income
Accommodation, or lost rent and trade, during the rebuild.
Working with us
What we do differently
We are an independent agency, so we place your fire insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Review the rebuild limit against current construction costs, not market value
- Add ordinance or law cover on any older property
- Include loss of rents or business interruption where income depends on the building
Common questions
Fire Insurance, answered
Do I need a separate fire insurance policy?
Generally not. Fire is a core peril within homeowners, dwelling fire and commercial property policies. The important questions are about limits and settlement basis rather than whether fire is covered.
How much should I insure my home for?
The cost to rebuild it today, excluding the land. That is a different figure from market value and it moves with construction costs, so it is worth reviewing periodically.
What is ordinance or law cover?
It pays the additional cost of rebuilding to current building code rather than to the original specification. Older properties frequently trigger it after a substantial fire.
Related cover
Often arranged alongside this
Homeowners Insurance
Hail is the peril that defines property insurance in DFW. How your policy settles a roof claim matters more here than almost anywhere else in the country.
Read moreCommercial Property Insurance
Property cover repairs the building and replaces the contents. Business interruption replaces what you could not earn while that happened — and it is usually the larger number.
Read moreLandlord Insurance
A homeowners policy will not cover a house you rent to someone else. Once tenants move in, the policy has to change with it.
Read moreReady for a fire insurance quote?
Answer a few questions and one of our agents will come back to you.
Ready for peace of mind?
Let us protect what matters most.