While most home insurance companies cover wildfire damage, you may want to invest in additional wildfire-specific coverage, especially if you have high-value items that you want to protect.
To get the best possible coverage, consider adding extended replacement coverage, wildfire defense services and replacement cost coverage to replace old, damaged items with new ones. If you live in an area that has a high risk of wildfires, consider loss of use coverage, which pays for expenses such as hotels, laundry and pet boarding costs if you need to evacuate.