Does Home Insurance Cover Fire? 
Depending on the circustances behind the cause of the fire it would more than likely be covered less your policy deductible . Fire , smoke , and lightning are are typically included as covered perils for all renters and homeonwers policies . Remember every policy is different . Read your policy completely to understand the coverage provided and any exclusions that may be contained within or contact your local agent to have them go over the policy with you . 