Question

Referencing the previous question, one month after the fire you receive a bill from the fire department for $450.00 for responding to the fire. Would this be paid under your homeowner's policy?

(A) Yes. It is called Fire Department Service Charge and is an Additional Coverage provided under the policy, limited to $500.

(B) Yes. It is part of and can be paid under your Contents coverage, but is subject to a separate deductible of $100.

(C) No. This is what your deductible is to be used for.

(D) No. This is considered part of your property tax.

Answer 1

A bill from the fire department for responding to a fire is typically covered by the Fire Department Service Charge under a homeowner's insurance policy, usually limited to $500, so a $450 bill would be covered.

Step-by-step explanation:

If you receive a bill from the fire department for responding to a fire at your home, and you are wondering if this would be covered under your homeowner's policy, the answer is most likely yes.

Typically, this is considered a Fire Department Service Charge and is an Additional Coverage provided under most homeowner's policies. The coverage is generally limited to a certain amount, such as $500, which should cover the $450.00 bill you mentioned.

It does not fall under your Contents coverage or your deductible.Also, it is not part of your property tax.

Therefore, the correct answer to your question would be (A) Yes. It is called Fire Department Service Charge and is an Additional Coverage provided under the policy, limited to $500.