If you have homeowners insurance, you generally won't need to purchase a separate policy for fire protection.  If you live in an area more susceptible to fire damage, Hippo insurance suggests that you consider purchasing more coverage in these scenarios: If you have an older home: If your home is damaged due to a fire, building ordinance coverage will rebuild your home so it complies with new building codes.  If your home is significantly renovated: Consider extended replacement cost coverage if your home has customized or rare features. This coverage will replace your damaged items with ones of similar value.  High-value belongings: If you have expensive jewelry or electronics, consider purchasing a special property floater for extra personal property coverage.  Worried about additional living expenses: Consider purchasing more loss of use coverage if you're concerned about any temporary living expenses if you have to move out due to a fire.   Dwelling fire coverage is a standalone fire insurance policy for extra coverage. You may need dwelling fire coverage to supplement your primary insurance policy if you have secondary properties such as a vacation home. Check with your insurance provider to see if they offer a dwelling fire policy for your home.