What Does Home Insurance Cover In A Fire? 
A homeowners policy will cover damages caused by fire to the building , and the contents . It will also pay for debris removal . There will be coverage for additional living costs while the structure is being repaired . Other coverages might come into play such as building ordinance coverage , and fire department fee coverage . Recovery will be based on the form that was used for the homeowners policy . It will either be based on replacement cost or the actual cash value of what was damaged . The recovery will also be reduced by the deductible . 