If your homeowners insurance policy covers wildfire damage, you'll likely find it offers several different types of protection.

Dwelling coverage

This type of protection helps cover your home and attached structures, such as a garage or deck. If your home is damaged by fire (or another covered peril), dwelling coverage may help pay for repairs or rebuilding.

Personal property coverage

Belongings — things like furniture, clothing and electronics — are usually covered in a standard homeowners policy. Keep in mind that limits will apply, so you may want to review your policy and determine whether your personal property coverage limits are sufficient.

Additional living expense coverage

Homeowners insurance may help cover the cost of reasonable increased living expenses, such as renting a home while your home is being repaired, if a fire leaves it uninhabitable.

Coverage for landscaping

Homeowners insurance may offer limited coverage for plants, shrubs, trees, or lawns damaged by a covered peril, such as fire. Check your policy to learn what kind of coverage it may offer for landscaping on your land.

Keep in mind that each type of coverage comes with a limit, which is the maximum your policy will pay after a covered claim. You may also need to pay a deductible before coverage begins. Check your policy or contact your insurance provider to learn about any terms and coverage limits. Your insurance provider can help you make changes to your policy or answer your questions.