Timely NAR Consumer Guide: What Insurance Covers in a Fire

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I know we’ve all been following news of the devastating fires in Los Angeles, and our thoughts are with all those who have been affected. As real estate professionals, you know how important insurance is for homeowners whose properties are threatened by natural disasters such as wildfires. With that said, NAR’s latest consumer guide is focused on fire damage and policy coverage. This guide explains which fire incidents are and are not covered under a standard homeowners insurance policy, what to do if a homeowner cannot secure coverage for damage from wildfires, and information on Fair Access to Insurance Requirements insurance policies.

The guide also provides contact information for the REALTORS® Relief Foundation as it continues accepting support for victims of the Los Angeles wildfires. If you’d like to make a donation, you can text RRFCAStrong to 71777 or visit rrf.realtor by 1/31/25 to ensure 100% of your donation is earmarked for wildfire victims.

As a reminder, all guides in this series are available for download—in both English and Spanish—on facts.realtor. Please allow a few days for the Spanish version of the latest resource to be translated and uploaded. For ease of reference, below is a list of the most recent guides:

Thank you for your continued engagement with the “Consumer Guide” series and for sharing the resources with prospective clients to ensure they have the information they need to find success in their homebuying or selling journey.

Be on the lookout for next week’s guide covering steps sellers should consider taking when preparing to sell their home.