Does Homeowners Insurance Cover Fire Damage?

Yes — fire is a covered peril on every standard homeowners policy. It pays to repair or rebuild your home and replace belongings damaged by fire, plus living costs while you’re displaced.

By the Home & Dime Editorial Team · Updated 2026

What’s covered

• Structural fire damage.
• Damaged belongings.
• Smoke damage.
• Living expenses if displaced.

Rare exclusions

• Arson by the homeowner.
• Vacant-home fires beyond a set period.

Frequently asked questions

Is smoke damage covered too?

Yes — smoke damage from a covered fire is included.

Are wildfires covered?

Yes, fire including wildfire is a covered peril in most states.

Related guides

• Does homeowners insurance cover smoke damage?
• What does homeowners insurance cover?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.