Will my home insurance cover damage caused by a fire?
If you own your home or have a mortgage, you’ll typically need both buildings and contents insurance to be covered (accidental incidents of fire are largely covered by standard insurance policies without the need to buy additional cover).
Buildings insurance will cover damage to the structure of your home: the walls, roof, ceilings and windows. It will also cover any permanent fixtures and fittings, for example your kitchen and bathroom.
You can protect your possessions with contents insurance. This usually covers fire damage to your furniture, clothing, electrical items and other goods.