Does Home Insurance Cover Wildfires? 
A homeowners policy covers any kind of fire damage to the residence and its contents . Insurance companies are reluctant to write homeowners policies where the risk is greater than average and will shut down areas when the risk is imminent . A problem that occurs with wildfire is that reconstruction costs can skyrocket when a wildfire takes out a group of houses . It is important to consider that carefully with your agent to make sure that there is adequate coverage to replace your residence . 