Fire insurance
Covered events, optional modules, exclusions, deductibles, and valuation.
Direct answers
Fire insurance covers selected risks such as fire, lightning, wind, and water damage, but flood, accidental damage, and earthquake are separate modules — and earthquake-caused fire is not covered by fire insurance alone.
Public coverage first · 2026 edition
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask the insurer to confirm which perils are included and how valuation and deductibles work.
Review due: 2026-10-30
Key points
- Coverage is modular — flood and accidental damage may be excluded by default.
- Insure the building at rebuilding cost, not land or resale value.
- Contents cover should reflect current replacement value by room.
- Earthquake loss requires a separate earthquake endorsement.
Choose modules to your hazard
Check flood, storm-surge, landslide, and river risk on the hazard map and decide whether to include flood and accidental damage. Confirm deductibles and how the building and contents are valued before comparing price.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
Important cautions
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.