Do insurance policies cover smoke damage?

A fire in my home caused significant smoke damage. Do home insurance policies cover smoke damage?

Answer
“Yes, all home insurance policies will cover fire and smoke damage unless it is excluded from your policy.
Exclusions like this are rare as they are a part of the 16 named perils that even a basic home insurance policy covers.
If you submit a claim, there’s no telling how much your premium will increase as a result. Home insurance policies are rated similarly to car insurance policies, meaning you could see an increase at renewal.
If you are worried about the effect of the claim on your insurance premiums, it’s a good idea to shop around. Shopping for insurance can be time-consuming and stressful, but it doesn’t have to be. Try using the free Jerry app. Jerry compares rates from the top providers and delivers the best deals to your phone in minutes.”
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Eric Schad
Answered on Aug 17, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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