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How do you get home insurance after a fire?

We had a fire in our home, which caused significant damage. We have begun repairing the house, but we realized we probably should have home insurance if this ever happens again. I know insurance companies ask if there’s any damage to the home, so I’m worried we won’t be able to find coverage. What’s the best way to get home insurance after a fire?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It can be difficult to get home insurance after a
covered peril
causes damage, but it’s not impossible.
The best way to get home insurance after a fire is by shopping around: Every insurance company has a different way to rate policies. By requesting quotes from multiple insurers, you can find companies that will offer you a policy, even after a fire.
Consider what caused the house fire: If faulty wiring or another issue with your home is what caused your house fire, taking steps to fix the issue to avoid future fires—and being able to demonstrate that to your provider—should make it easier to find a policy.
Start by doing your research: Companies that insure for higher risks may be your only option to start, but as long as you remain claim-free, your options should open up.
To make home insurance shopping easy: The
Jerry
app is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
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WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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