Does Homeowners Insurance Cover Smoke Damage?

Yes — smoke damage is covered when it results from a covered peril like a house fire or a nearby wildfire, including cleaning and odor removal.

By the Home & Dime Editorial Team · Updated 2026

Covered

• Smoke from a house fire.
• Wildfire smoke damage to your home.
• Smoke from a neighbor’s fire.

Limited or excluded

• Cigarette smoke and gradual buildup.

Frequently asked questions

Is wildfire smoke covered?

Yes, when it damages your home.

Cigarette smoke?

Gradual smoke damage from smoking usually isn’t covered.

Related guides

• Does homeowners insurance cover fire damage?

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