Does Home Insurance Include Fire Insurance? 
Homeowners insurance is Fire Insurance and more . Homeowners Insurance covers a variety of perils . Many will cover any peril that is not specifically excluded in your policy . Most common perils covered are Fire , Hail , Wind , Lightening , Vandalism , and Theft . Your Homeowners Insurance also protects you for Liability if someone is hurt on your property and you are engaged in a Lawsuit . 