Typically, homeowners insurance does cover the cost of fire damage to a home, but it is always good to review your policy and speak with your insurance agent if you have any questions. The contents of the home should be covered in your insurance policy, as well as the structure itself. In some cases, having an umbrella policy can also help augment your homeowners policy. Your homeowners policy may also include loss of use coverage, which means that the insurance will help cover the costs of relocating temporarily, such as staying in a hotel. It may also have a personal liability coverage portion that can kick in should your home fire spread to neighboring structures. Atlanta Restoration works with all insurances and can help you navigate through the claims process.