Does home insurance cover fire? 
If your house is damaged in a fire , your home insurance will kick in . This insurance will not only pay for fixing up your home , but will also cover a number of other extra costs . The amount of money you get from your insurance depends on a few factors though . The first item your home insurance covers is the damage to your home . The amount you receive for damages depends on the limit of insurance you purchased . If your limit is high enough to cover all damages , your insurance will cover all your home repairs . If you didnt fully cover your house , you may need to pay some of the costs out of your pocket . On top of covering your house , your home insurance will also replace your personal belongings . Once again , the amount you receive depends on the coverage you bought . In addition , home insurance limits the amount it pays on expensive items like jewelry and artwork . If you have any valuables , you may need to buy additional coverage . Lastly , your home insurance will cover the costs of your living somewhere else because of the fire . If you need to live in a hotel and eat at restaurants while your home is repaired , the insurance will pay for these expenses . While home insurance covers your damages in most cases , it wont cover the costs from an intentional fire . This applies to fires started by family members , not by a stranger vandalizing your house . If a member of your household started the damaging fire on purpose , your insurance wont cover your expenses . Unless you fall under this exception , your home insurance should cover the damages of a fire . 