Is wildfire covered in a typical homeowners policy?

Is wildfire covered in a typical homeowners policy?

The structure of your home – A standard homeowners policy covers destruction and damage caused by fire, which includes wildfires. In the event of a fire, your insurance company will pay to rebuild or repair your home, remediate smoke damage. This includes the outbuildings on your property—such as a garage or toolshed.

Can ash damage your house?

Personal Belongings: Smoke and ash that flows through open or cracked windows or ventilation openings into homes can damage the homeowner’s personal property, such as curtains, paintings, clothing, and rugs. It can damage the walls, rugs, and support as well.

How does insurance work after a house fire?

If your house catches fire and the things inside it are damaged or destroyed, your personal property coverage will help to pay for the cost to replace your stuff, up to your personal property coverage limit.