Won’t my insurance cover damages from a wildland fire?

Assuming you are adequately insured, most homeowner policies do typically cover property losses cause by brush, grass or forest fire. However, most policies do not cover home landscaping and plants that could be destroyed in a wildland fire. And no policy can replace personal items such as photographs, artwork and other memorabilia.

The Insurance Information Institute recommends an annual insurance check-up so that you understand what is and is not covered in your homeowners insurance policy. You can also create a home inventory to help get your insurance claim settled faster in the event of fire loss. Visit the “Know Your Stuff” page for a free home inventory tool.