Your statement is not entirely accurate. Under the insuring agreement of a typical homeowner’s insurance policy, fire—including wildfire—is a covered peril, unless specifically excluded elsewhere in the policy. Standard policies are designed to provide coverage for direct physical loss or damage caused by fire, regardless of whether the fire is “random” or arises in wildfire-prone areas.

While some exclusions may apply to fires caused by excluded perils (e.g., floods or earthquakes) or to contributory factors like neglect, wildfires are generally not excluded in standard homeowner’s insurance policies.