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Standard home insurance policies cover accidental kitchen fires. If a fire breaks out in your kitchen and damages your home or belongings, your home insurance policy will cover the cost of repairs.

Fire is a standard peril covered by home insurance, and kitchen fires are a common source of damage. As long as the fire was accidental, you’ll be covered. You will have to pay your deductible.

Your home insurance will cover fire damage to the structure as well as as personal property damage in the fire, including your stove.

How does homeowners insurance cover fire damage?

Homeowners insurance covers fire damage via several different parts of the policy. Each part covers a different financial need after a kitchen fire. These three coverages are most likely to apply after a kitchen fire.

  • Dwelling coverage: This component of homeowners insurance protects the structure of your home itself. If your house is damaged or destroyed by a fire, the insurance company will cover the costs of repairing or rebuilding your home up to the policy’s limits. 
  • Personal property coverage: Homeowners insurance also includes coverage for your personal belongings, such as furniture, electronics, clothing, and appliances, which may be damaged or destroyed by fire.
  • Additional living expenses: If your home becomes uninhabitable due to fire damage and you need to temporarily live elsewhere while it’s being repaired or rebuilt, homeowners insurance often covers additional living expenses. 

Homeowners insurance policies may have specific exclusions or limitations on coverage for fire damage. Make sure to review your homeowners insurance policy on a regular basis. 

How to file a homeowners insurance claim after an accidental kitchen fire

Follow these steps to file a homeowners insurance claim after an accidental kitchen fire.

  • Contact your insurance provider: Contact your insurance company as soon as possible to report the incident and initiate the claims process. Provide them with all the necessary details, such as the date and time of the fire, a description of the damages, and any injuries sustained. 
  • Document the damage: Take photos and videos of the damage to your home and belongings, including any destroyed or damaged items beyond repair.
  • Provide documentation and receipts: Gather receipts for damaged items and any other documents your insurance provider may require, such as police reports or contractor damage assessments.
  • Cooperate with the claims adjuster: The claims adjuster will schedule a visit to your property to assess the damage and estimate the cost of repairs. Cooperate with them, providing any additional information or documentation they may require. Ask for a copy of their assessment report for your records.
  • Review your settlement offer: Once the claims process is complete, your insurance provider will send you a settlement offer. Review it carefully to ensure all damages are accounted for and the offer is fair.
  • Accept or negotiate the offer: If you agree with the settlement offer, sign the necessary paperwork to receive the payment. If you disagree with the offer, you can negotiate with your insurance provider or seek legal assistance.

Tips to avoid accidental kitchen fires

Planning and precaution can help protect your home from accidental fires. Here are some ways to prevent accidents in the kitchen.

  • Install new batteries in smoke alarms and carbon monoxide detectors before the holidays.
  • Make sure that family members can locate and operate fire extinguishers and keep them in a convenient location.
  • Test all fire prevention devices to make sure they function properly
  • Keep a lid, cookie sheet, baking soda and oven mitt nearby to safely extinguish small grease fires.
  • Stay in the kitchen while the stove or oven is on.
  • Avoid cooking when you are tired and set cooking timers.
  • Keep anything that might catch on fire away from the stovetop.

These proactive steps toward fire prevention can protect your home, belongings, and loved ones.

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Shivani Gite
Contributing Writer


Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.



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