Possibly one of the prime sources of trauma for homeowners is the destruction of their home by fire.  Not withstanding loss of life, the loss of irreplaceable personal possessions and associated memories causes untold grief. Adequate compensation in the form of Dwelling Fire Insurance helps victims start over. Immediate concerns following a fire are the practical aspects of living: a roof over one’s head, clothing, food, and necessities like prescription medications and personal hygiene items. Dwelling Fire Insurance includes provisions for the transition period between the fire and a move into a new home. 

Policies for dwelling fires vary with insurance companies, although most of them agree on the basics.  Not to be confused with or be a substitute for Homeowners Insurance, Dwelling Fire Insurance should encompass fires caused by events termed as "peril." Peril includes explosions, volcanic eruptions, riots, fire caused by aircraft, and fires caused by natural occurrences such as lightening, hail, and windstorms.  Unattached dwellings can be written into the policy, but may not be covered 100%.

Charges for Fire Department service, personal property inside the home, vandalism, repairs to prevent structural damage, limited liability and burglary are optional add-ons to the basic package.  Like medical insurance, Dwelling Fire Insurance typically offers a deductible for covered items and for which the homeowner is responsible, after which payment for cash value of covered items is issued.  Home fires are preventable with strict safety measures, but accidental fires do happen. A good Dwelling Fire Insurance Policy can see a family through the roughest of circumstances.