I do not have to worry about wildfires destroying my home because I have a home insurance policy . My agent recommended that I made sure I asked for replacement cost of my home , not the cash value of my home . My policy will cover fires inside and outside the home such as a wildfire.
I live in a zone of the United States that is prone to wildfires, so I had my agent and an endorsement to my basic policy for additional coverage. This costs me only pennies more per month , and I am secure in the knowledge that I am well covered .
My homeowner’s policy will pay for living expenses while my home is rebuilt or repaired . If there is a wildfire in my area and the fire does not damage my home , but the smoke and soot did damage my policy will pay for repairs and cleanup.
This wildfire endorsement will cover over and above of what my basic coverage pays . This policy does state that it will not pay for extraordinary circumstances such as a, bar-b-q gone wrong , or a fire pit not constructed safely resulting in major damage to my home .