I did check on my homeowners insurance for this type of accident. No coverage! However if the house burns, then it would be covered. I need to take pics of everything in the house, LOL, just in case. There was a house across the street and it DID burn. Lot's of damage, and took a long time to re-build (same lot)- The owners were able to have many upgrades and the house turned out beautiful! Soooo.... I am just grateful my repair on the Artista is only $170 INSTEAD of having to be used for parts!