A median of $271,300 across 1,590 households on eight tenths of a square mile. When buildings sit close together, a fire that starts next door is your problem too.
Fire spreads between close structures. Your policy covers you regardless of whose house it started in.
Three things about building density.
If a fire spreads from a neighboring property to yours, your own homeowners policy covers your damage. It does not wait for anyone to establish who was responsible. Your insurer may then pursue the neighbor’s insurer, and that happens between companies rather than between neighbors, which is worth something in a small community.
Where structures sit near each other a fire reaches more buildings. Carriers consider spacing and construction in rating, and it is a characteristic of the neighborhood rather than anything you did. It is also an argument for a dwelling limit with no shortfall in it.
A fire starting at your property that spreads to a neighbor is your liability, and in dense housing it can reach several buildings. That exposure is bounded by nothing about your own house, which is the clearest reason here to carry liability above the default.
Density as a rating and liability factor.
Both are rated and neither is in your control.
A fire reaching neighbors is not bounded by your house.
No shortfall is affordable in a total loss.
Send the address. We will look at construction and spacing before quoting.
We set liability for a fire that does not stop at your wall.
Request a quote