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A lot of people don’t realise that along with their policy for a dwelling fire comes other options. Different insurance companies vary as to what additional options they offer, although most of them agree on the basics. Dwelling fire insurance is not the same as homeowners’ insurance and you should always consider carefully which policy you choose to cover your home.

Basic dwelling fire insurance packages generally cover fires caused by events termed as “perils.” Perils can include explosions, volcanic eruptions, riots, fire caused by aircraft or vehicles, and fires caused by natural occurrences such as lightning strikes – but the policy only covers the perils actually named in the policy. Unattached dwellings can be written into the policy too.

You can choose optional add-ons, for example, charges for fire department services, personal property inside the home, immediate repairs to prevent structural damage, liability, and even burglary. Like many other types of insurance, dwelling fire insurance typically offers a deductible which can be varied.

Many home fires are preventable with strict safety measures, but accidental fires do happen. A good dwelling fire insurance policy can see a family through the roughest of circumstances.

If you need dwelling fire and burglary insurance in Pennsylvania, or you’d like to know more about the differences between this and PA homeowner’s insurance, contact the agents at Donald R. Weaver Insurance today.