Are wildfires covered by home insurance?

I live in central California and am terrified my house is going to burn down in a wildfire. Are wildfires covered by home insurance?

Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Wildfires are a serious issue on the West Coast—it’s good you’re trying to become knowledgeable about your insurance coverage. Thankfully, most
home insurance
policies do cover wildfires.
Homeowners insurance policies cover you for all the
named perils
listed on your policy. These are sudden, unexpected events that can cause damage to your home, property, or possessions. Wildfires are usually one of these perils.
If you’re worried, however, call your agent and make sure wildfires are something you’re covered for. You don’t want to find out too late that you aren’t covered.
If you’re unhappy with your current insurance coverage, download the
app to find a policy that better suits your needs. Jerry gives its users insurance quotes from a long list of top providers, making it easy to find great coverage at a low price.
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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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