Does Home Insurance Cover Wildfires? 
That is a great question ! In most areas of the country , a fire that destroys or damages your home would be covered under your homeowners policy . Fire was the original reason that homeowners policies really became popular . In those areas of the country where wildfires are more of a hazard , it may not be . Many companies in those areas will only add wildfire coverage as a rider , or a separate policy , in much the same way that flood damage is n't included in many coastal areas . The coverage has to be purchased as a flood insurance policy . Check with your agent to find out if your policy does , or does n't cover you . Thanks for asking ! 