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Home insurance (aka Fire Insurance) covers damage caused by wildfires up to the policy limits. In very rare cases, a policy may have a wildfire exclusion. Even if the fire doesn’t directly damage a home, insurance covers indirect damage from smoke, ash, and soot. Arson by the property owner is not covered by home insurance as this is an intentional act. At Einhorn, we are wildfire insurance experts. Please contact us with any questions you might have.