Does your home owners insurance cover a hot stove if in that be an electric fire and smoke mess up?

Answers: yeah generally it does.
Usually it does, but if you just give them a name they will tell you what your particular policy is.

Also, freshly a suggestion, I recently installed these new outlets surrounded by my house. They are fire-prevention outlets, that are able to detect the abnormal roast (caused by electrical fires) prior to the fire actually happening, and if it detects this deviant heat the outlet device shuts down, and an indicator pin will pop from the outlet. It's a pretty interesting, but it's the first of it's kind.. never earlier has a fire-prevention outlet been made.

It's worth looking into, it's a great sanctuary feature in the house, especially next to kids. Just thought I would recommend it, I feel safer now that I own them installed. The company's site is here, if you want to check out the outlet: http://bsafeelectrix.com/tfci.htm?utm_so…

Hope this is helpful. :o) Source(s): http://bsafeelectrix.com/tfci.htm?utm_so…
It depends on a bunch of stuff. Assuming the old stove was destroyed by the fire, and you hold replacement cost on your policy, yes.
Perhaps You may google it first ,however, if you similar to some direct resource ,here http://www.InsuranceFreeTip.info/insurance-for-free.htm might be your choosing.
Depends on the type of policy you have.

Some policies are replacement cost. This pays for the cost of a new stove similar to your existing stove. It will not pay cheque the complete cost of an upgrade. But you can take the money and apply it toward an upgrade if you wish.

Some policies are actual bread value. That means they pilfer depreciation. It will pay the cost of a new stove smaller quantity deprecation.

In either case, your deductible will apply.

You should tender your agent a call on money or go by his/her department and ask them. Since they can see the details of your policy - your agent will be your best source of information. Source(s): Insurance Adjuster 12 years
~~I know our will. Just call your agent and they can tell you enormously quickly if your policy will too.~~
Home insurance is actually hugely flexible. I'm not familiar with adjectives the fine print of my home policy, but my homeowners insurance agent is always helpful. Try visting your agent or a homeowners agent within your city. http://www.goodinternetdeals.com/Home-Insurance.html They should be able to help you.
check your policy

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