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Yes, most homeowners insurance policies cover fire damage and restoration, provided the fire was not set intentionally or caused by negligence. Accidental fires, such as those from electrical issues, cooking, or gas, are typically covered. Your policy will usually cover emergency services like roof tarping, the full cost of remediation and rebuilding, and may also cover alternative housing while your home is being restored. You will be responsible for paying your policy's deductible. It is important to check your policy details to see how coverage is calculated—it may be for the full replacement cost of damaged items or the actual cash value, which accounts for depreciation. To expedite your claim, contact your insurance company immediately and have all necessary documentation ready.

As with any smoking appliance, a smoking oven is a concerning fire risk. It also negatively impacts your indoor air quality, which can put vulnerable people at risk of breathing problems. A dirty oven can catch fire if you don’t stay on top of regular maintenance, so remember to check your oven for signs that it’s time for a cleaning and remove buildup every three months to stay on the safe side.

In many cases, homeowners insurance covers smoke damage remediation, but coverage depends on the cause of the damage and the specifics of your policy. Typically, damage from a house fire, wildfire, or even a fire in a neighboring home is covered. However, damage from cigarette smoke is generally not covered.

Before filing a claim, review your policy to understand what is covered, such as restoration costs, replacement of damaged items, and temporary relocation. It's crucial to document all damage thoroughly, including to furniture and personal belongings. Contact your insurance provider promptly to start the claim process and get an evaluation before hiring professionals. Your insurer may also provide a list of approved smoke remediation companies to streamline the process.

Repairing a fire-damaged home could cost anywhere from $2,000 to $200,000 or more—it all depends on the extent of the damage and the quality of the materials you use. In most cases, your homeowner’s insurance company will cover the majority of the repairs. If you’re buying a home with fire damage, though, it’s best to get an estimate from a fire damage restoration company to estimate the repairs before closing.