For mild fires where the only need is to remove smoke odour, you might anticipate to pay several hundred dollars or more in restoration costs. The necessity of maintaining your property insurance up to date to cover these costs is emphasised by fire damage repair businesses, who point out that these charges may add up quickly. Most homeowners insurance policies include protection for the structure of your home in the event of a disaster, such as a fire, as well as coverage for 50 percent to 70 percent of your personal possessions that were on the premises at the time of the disaster. Contacting your property insurance provider as soon as it is safe to do so after a fire will ensure that your loss is covered. Find out what is covered by your policy.