Does renters insurance cover wildfires?

I’m moving next month to an area with a high wildfire risk. My apartment backs up onto a pretty big forest, so my building is in a direct fire path! I was planning on purchasing a renters policy—does renters insurance cover wildfires?

Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The best approach to avoid financial loss in the future is to be aware of the potential dangers in your neighborhood and to secure the right insurance—congratulations, you’ve done both!
The good news is that renters insurance will usually cover wildfires damages, as fire is a
named peril
in any standard renters insurance policy.
If a fire damages or destroys your personal property, your renters insurance provider will help to reimburse the cost of repairs and replacements.
Additionally, if you need to stay in a hotel while your building is being repaired after a wildfire, renters insurance will cover this under “loss of use” coverage.
Note that your renters insurance won’t cover the damage or destruction of your actual building—this will come from the landlord’s insurance instead.
Knowing that you can rest easy when it comes to your renters insurance in this case, you should spend some time looking into your other insurance policies. Use
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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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