With memories of the damage caused by rampant wildfires fresh in everyone’s mind, many BC residents are anxious to know if they need specific coverage to insure their houses from such a natural disaster. The good news is that fire is a covered damage in most home insurance policies (although you should always check, just in case). The bad news is that if your property is located within a known wildfire zone, you may be subject to higher premiums or even denied coverage in some extreme cases. Talk to your insurer or broker before purchasing a property you believe to be at risk and see what they can offer you in terms of protection.