What does fire insurance not cover?

Fire insurance does not cover every potential disaster that can occur in a home or business. In Washington, fire insurance typically does not cover damage from flooding, earthquakes, sewer backups, mold, vandalism, wild animals, nuclear accidents, or war. In addition, it does not typically cover the cost of replacing personal items, such as clothing or electronics. Fire insurance also typically does not cover the cost of repairs to the structure of the home or business that are due to normal wear and tear, or the cost of repairs to other structures such as fences, decks, or outdoor sheds. Lastly, fire insurance does not provide replacement cost coverage for the contents of the home or business; instead, it covers the cost of repairing or replacing the items up to their current market value, which may be significantly less than the original purchase price. Simply put, fire insurance covers damage due to fire, but not other events or normal wear and tear.

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What does fire insurance not cover?

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