What kind of an insurance company won't insure people at all who have had a fire? It is not like we have one a week, it was one in 17 years of living in the same house.
Not deliberate, but an accident. That is great. DON'T GO WITH STATE FARM.
We are renters. Our only error was no contents insurance.
After the fire family and friends helped us immensely. If it were not for them I do not know how we would have survived.
In my opinion if it was not arson, than there should be coverage.
It is scary for us because we have to wait for five years now for coverage from state farm. And so as a result my husband and I are looking elsewhere.