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In times of crisis, being informed can make all the difference. Knowing what to do after a house fire is crucial. We'll talk about house fire insurance, what to do if you have it, and what to do if you don't, in today's video: insurance tips for house fires.

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In the aftermath of a fire, it's crucial to stay calm. In the moment, you may be overwhelmed and confused, and forget to do even the most basic things.

Take a moment to contact any family who may not have been there with you. You'll need the support as you begin the restoration process.

Take the first step to recovery by contacting your insurance provider to initiate the claims process. Your insurance broker should be experienced in dealing with property emergencies and can talk you through things like emergency lodging and living expenses.

01:12 - 01:45
In most cases, fire insurance is part of a standard home policy with contents insurance coverage. This coverage typically pays to repair, replace or reconstruct your home in the event it's damaged by a fire, and to replace damaged or lost belongings up to your policy’s limit.

Just like other home insurance policies, filing a claim means paying your home insurance deductible and letting the insurance company pay for the rest of the damage, up to your policy's coverage amount.

01:46 - 02:16
Fire insurance is just one part of your insurance policy, with other types of coverage responding in the event of theft, water damage, liability claims, or any other number of perils that can cause damage to your home or contents.

Your policy may put you and your family up in a hotel or rented property while your house is being rebuilt, along with any additional expenses you might incur because you're not currently living in your home.

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Not everyone has home insurance. If you have a mortgage, then without homeowner's insurance, you will be liable for paying back the loan and left to absorb the costs of your personal belongings that may have gotten lost in the fire.

If you fall victim to a house fire, remember that rebuilding is a journey and you're not alone in it. Reach out to your support network and stay resilient. If you have any questions on how to protect your home from disaster, head over to and talk to a BIG broker today.

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