It’s an unbearable reality to face, but fires do happen – and for a number of reasons, such as a candle left lit or an improperly discarded cigarette. And while a fire might start small they can spread quickly and cause significant damage.
Safety should be your number-one priority, making things like smoke alarms and fire extinguishers vital – but once the smoke clears you’ll have to deal with the fallout.
Your belongings should be covered under renters insurance, so you’ll be able to claim for at least part of the cost of repairing or replacing anything that was harmed in the fire. For example, your insurer should pay out for replacing furniture, clothing and gadgets that were burned, or repairing any jewellery that sustained fire damage.
However, any of your belongings that are valued over a certain amount will have to be declared separately, and these are likely to raise the cost of cover. Most insurers set the single-item value limit at around £1,000 or £1,500.
Taking the following steps will help prevent the risk of fire damage: