Consumption and Real Estate
fire insurance, any one know if it covers the san diego fires?
Question : 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?
hey RB, i know i can’t get insurance now, i’m asking for the future fires, not the current one.
san diego homeowners insurance
Best answer:
Answer by RB
By now, insurance companies have suspended agents binding authority and will not take any new business while the fires are still raging. In other words, you won’t be able to get renters insurance. This keeps people from doing what you are thinking about doing.
If you had purchased renters insurance before the binding authority had been suspended, then you would have had coverage to the limits of your policy.
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#2 written by StephenWeinstein 1 year ago
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#4 written by mbrcatz17 1 year ago
He’s a moron. Fire insurance, and renters insurance, covers fires. You don’t need “extra” fire insurance.
“Act of God” is NOT an insurance term. I’ve never read it in a single policy I’ve read, and I’ve read LOTS of policies.
Fire is fire, whether it starts from a candle that fell over, or a short in electrical wires, or a lightening strike, or a wildfire, or the neighbor’s kid is smoking behind your bushes. It’s still FIRE. And fire is COVERED.
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#5 written by bdancer222 1 year ago
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Renter’s insurance will cover fire as others have mentioned. The key to your question is the “Act of god”. I’ve seen those exact words. If you haven’t seen it, agent or not, you haven’t read enough contracts.
Exclusions are rampant. They do not insure for loss either consisting of, or caused directly or indirectly by:
War, including undeclared war, civil war, insurreection, rebellion, revolution, or warlike act by military personnel (discharge of a nuclear wapon shall be deemed a warlike act even if accidental)
1) Earth Movement
2) Water Damage (depends, covers some things, not others)
3) Nuclear Hazards (Southern Calif – look out for San Onafre)
4) Inadequate zoning or construction
5) Loss by civil authorities to prevent spread of fire
6) Interruption of power or other utility service originating off premises
7) Neglect of an insured to protect property
9) Freezing of water leakages if building is vacant
10) Freezing or thawing of water or ice
11) Theft in or to dwelling under construction if building vacant for more than 30 days before breakin
12) Vandalism (same 30 day rule)
13) wear and tear, marring, deteriotion, mechanical breakdown, birds, insects, vermin, rodents, mold, rust, smog, smoke, pollutants, insecticides, settlilng, cracking, shrinking.
Point is… they cover a lot, except everything they don’t cover. If they think you’ve taken care of your house reasonably well, and (a) government hasn’t purposely destroyed it (not necessarily ours), and a natural disaster hasn’t taken it… then yeah, you’re covered.