Does homeowners insurance cover fire damage?

Yes, homeowners insurance covers your home and personal belongings from fire and smoke damage.

Stephanie Nieves author photoPat Howard 1600


Stephanie Nieves

Stephanie Nieves

Editor & Home and Auto Insurance Expert

Stephanie Nieves is a former editor and insurance expert at Policygenius, where she covered home and auto insurance. Her work has also appeared in Business Insider, Money, HerMoney, PayScale, and The Muse.

&Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Homeowners insurance covers your home and belongings against several different perils, including fire damage. That means if your home is damaged in an electrical fire, chimney fire, or any other cause of accidental fire damage, homeowners insurance can reimburse you for the loss. 

If your house is severely damaged by a fire and you need to live somewhere else temporarily, your policy can also cover your relocation expenses, temporary lodging, and other additional living expenses until your home is completely repaired or rebuilt.

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How does homeowners insurance cover fire damage?

A standard homeowners insurance policy includes several types of coverages that can help reduce the financial blow of a destructive house fire, including:

  • Dwelling coverage: If a fire destroys your home, your policy’s dwelling coverage can pay to rebuild it. This section of your policy can also cover the cost of cleanup and debris removal after the disaster.

  • Other structures coverage: If the blaze finds its way to your shed, detached garage, or another separate structure on your property, your policy’s other structures coverage can reimburse you for the damage.

  • Personal property coverage: Your policy’s personal property coverage can pay to replace your belongings (furniture, appliances, electronics) that are destroyed in a fire. If your clothes or other items are smoke damaged, that would be covered as well.

  • Loss of use coverage: If you’re unable to live in your home after a fire, your policy’s loss of use coverage can help cover your temporary living expenses while you’re away. This coverage typically extends to things like hotel stays, pet boarding expenses, relocation costs, and any other increased living costs.

  • Liability coverage: If a fire on your property damages your neighbor's home or any part of their property, your policy's personal liability coverage may be able to pay your neighbor for the damage.

Consider extended replacement cost for an added layer of protection for your home

Homeowners insurance is designed to cover expensive disasters. But in certain cases — either if you’re underinsured or due to circumstances outside of your control — your dwelling coverage limit may not be high enough to pay for a full rebuild. 

For increased protection for your home and your own general peace of mind, consider adding extended replacement cost to your policy for an additional cost. When your home’s rebuild cost exceeds your dwelling coverage limit, extended replacement cost automatically increases your coverage an additional 25% to 50% — whichever amount you choose. 

What types of fire damage does homeowners insurance cover?

Homeowners insurance covers most causes of fire and smoke damage, including electrical fires, fires caused by unattended cooking, candle fires, and any other accidental fires. 

Chimney fires

If your fireplace or wood stove causes an unexpected chimney fire, you’ll most likely be covered for repairs. Just make sure you keep your fireplace in good condition and clear of obvious hazards — homeowners insurance generally won’t cover losses caused by neglect or poor maintenance.

Electrical fires

Homeowners insurance covers damage caused by artificial electronic currents, including power surge damage. So if your electrical wiring short circuits and causes your home to go up in flames, that would likely be covered.


If your home is damaged by a raging wildfire, homeowners insurance will likely cover the loss. But if you live in an area prone to wildfires, your insurance company may deny you coverage. In that case, you may need to purchase a separate fire insurance policy.

Accidental fires

If a fire breaks out due to a lit candle, unattended cooking, or a dry Christmas tree, your homeowners insurance will likely cover the damage. 

Not all causes of fire damage are covered

Homeowners insurance does not cover intentional damage, so if you or a family member intentionally burn your house down, you won’t be reimbursed for the damage. A standard policy also won’t cover fire damage caused by nuclear hazards, poor maintenance, or regular wear and tear.

3 fire insurance claim tips

In the event your home or belongings are damaged in a fire, be sure to keep the following in mind when filing a homeowners insurance claim.

  1. Contact your insurer immediately. Most insurance companies require you to report the loss “as soon as reasonably possible” — otherwise you might not be covered..  

  2. Document everything. You’ll need to fill out a “proof of loss” form with a description, date of purchase, and value of each damaged item. Along with written documentation, consider taking photos and videos of the damage.

  3. Track your temporary living expenses. If you need to live elsewhere while your home is being rebuilt or repaired, make sure to hold onto lodging and restaurant receipts so that you can be reimbursed for these expenses.

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