Does Home Insurance Cover Wildfires? 
Fire is a basic peril of homeowners insurance . This is where the term fire insurance came from . However over the years with brush fire exposure ever increasingespeciallywith peoples desire to live closer to nature insurance carriers have pulled out of the market place in these high hazard areas . This has left consumers either going without insurance or having to go with the Fair Plan . If a consumer purchases coverage through the Fair Plan which will cover you for the peril of fire the consumer may then purchase an additional policy form an insurance carriers called a DIC policy -LRB- difference in conditions -RRB- . A DIC policy will then pick up all the perils the Fair Plan left off providing you purchase special form . Now here is the danger . Consumers will often get the two confused and let the Fair Plan policy lapse often due to high cost leaving themselves exposed to the peril of fire . Make sure you have a discussion with your local agent for more details . 