A Homeowners Insurance policy covers you from several perils such as fire, windstorms, hail, lightning, vandalism, falling objects etc.
As you can see, damages by fire and smoke are also covered by the insurance. The only damage caused by floods and earthquakes are excluded, but these can be covered by different and separate policies. You can also cover damage due to additional perils, by going in for optional coverage.
So you can rest assured that homeowners’ insurance policies cover fire and smoke damage, which may even lead to total destruction from fires. Most homeowners’ insurance policies cover damages or destructions caused by fires and smoke.
Your home can be damaged by both the flames and smoke. This may affect or damage the walls, windows, carpets, upholstery, furniture etc.
In those rare cases where the whole house is gutted, the house needs to be rebuilt and the belongings will have to be replaced. The insurance also covers lost personal belongings such as furniture, clothing, and appliances.