Most standard homeowners insurance policies will cover fire damage, including from wildfires. There are many different coverage types that can help policyholders afford the cost of repairing or replacing their homes, or replacing personal property.

According to the Congressional Research Service, nearly 90 percent in the U.S. are caused by humans. The National Park Service identifies the following as the most common causes for wildfires:

Burning debris

Carelessly discarded cigarettes

Equipment malfunctions

Intentional arson

Unattended campfires