When it comes to fire damage, homeowners insurance typically helps pay for repairs to your home, unattached structures on your property and your belongings. Here's a look at how each type of coverage may help:

Dwelling coverage.

Homeowners insurance typically helps cover the structure of a home as well as attached structures, such as a garage. If you leave a potholder too close to the stove and it starts a kitchen fire, the cost of repairs would likely be covered. If your home becomes uninhabitable while being rebuilt or due to repairs, homeowners insurance typically will help pay for costs associated with having to live away from your home, such as your hotel and restaurant bills.

Detached structures.

Commonly called "other structures coverage," most homeowners insurance helps pay for structures on your property that are not attached to your home, such as sheds, detached garages, and fences.

Personal property.

Homeowners coverage usually extends to your personal belongings, such as appliances, furniture, and clothing. Homeowners insurance typically helps protect personal belongings from specific risks (described in most policies as "perils"), such as fire and lightning strikes. If your belongings are damaged or destroyed in a fire, homeowners insurance may help pay to repair or replace them.

Additionally, a standard homeowners policy may help cover landscaping as well, states the III. If a fire on your property destroys a tree or shrubs, you may be reimbursed for some or all their value.

Depending on where you live, homeowners insurance may help cover wildfire damage. It's important to read your policy so you know whether it includes any coverage for wildfires.