Tips for Homeowners Insurance and Fire Protection in Conejo Valley, California

The most recent fires in Southern California is the latest disaster to affect homeowners in California. Yet, the fires do ignite an interest in the need for homeowners to have home coverage. Here at Cappuccino Insurance Agency we encourage clients to examine their homeowners insurance to ensure that it includes fire protection.

Fire insurance policies typically cover a wide range of property damage. For example, damages related to fire including smoke, explosions, and damaged sprinklers are normally covered with this type of policy. Lightning, earthquakes, and heavy wind damage are also typically included in home coverage. Other areas to consider when adding fire coverage to an insurance policy is whether overflowing or bursting water pipes and reservoirs are also covered.

Homeowners should note common mistakes that are made when purchasing fire coverage. The contents of a home may not be included in fire protection. Also, some policies only replace items at their actual cost, not at the replacement value. This is an issue when the replacement costs are greater than the original costs of items. A tip here is to have a recorded video and digital listing of the items of value in a home. Storing these items outside of the home, such as in a safe deposit box, can help homeowners greatly in the recovery process following fire or smoke damage to a property.

For those homes that are destroyed in a fire or due to smoke from neighboring fires, burglary or theft occurring in the damaged home may not be covered in a policy. Finally, homeowners should inquire about discounts related to fire protection. For example, some policies may include discounts for having smoke and carbon monoxide detectors in the home. To learn more about how to protect your home from fire damage and destruction in Conejo Valley, California, please contact Cappuccino Insurance Agency in Westlake Village!