There are several types of properties that may be covered in the event of a fire.
General Types of Coverage:
Dwelling Coverage: Homeowners insurance helps cover the damage to your home or attached structures such as the garage. If your home is unlivable during repairs, your insurance policy may cover additional living expenses and other incidentals such as hotels and food.
Detached Structures: Some insurance policies cover structures that are not attached to your home or business such as fences, detached garages, or shed.
Personal Property: Loss of personal property such as clothing, furniture, and appliances due to fire may also be covered under the insurance policy. If they are completely destroyed or damaged, the insurance company may even help replace them.
Landscaping: Some homeowners insurance policies also cover damages to your trees or shrubs.