Your homeowners insurance may cover some fire and smoke damage repairs, but how much the provider will pay depends on the terms of your policy. This is why it's critical to read all the small print and fully understand your insurance policy's terms, limits, value, inclusions, and exclusions.
It's also important you contact your insurance provider as soon as possible after the event so you know the next steps to take. And never start remediation work until you speak with your insurer to get permission and guidance.