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Is fire insurance included in home insurance?

I live in an area that’s known for wildfires. I’m going to be buying a home, so I want to make sure I have the correct protection. Will fire insurance be included in home insurance?

Emily Maracle · Updated on Aug 30, 2023

Reviewed by Shannon Martin, Licensed Insurance Agent.

Making sure your new home has the correct protection is important! Thankfully, fire insurance is included in home insurance.

Fire is one of the

16 covered perils

in home insurance. Every home insurance policy will cover fire damage, even if it’s from a wildfire.

That said, if you live in an area that is known for wildfires, you may find your

rates are higher than average. Since insurance is risk-based, higher risk areas will have more expensive insurance rates.

If you want cheap home and renters insurance quotes fast, go to

. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy. Even better, Jerry will help you bundle your home and auto policies for maximum savings.

MORE:

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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