Fire damage is almost always covered by a standard homeowner policy. The cause of the fire usually does not matter, unless it was intentionally set by the homeowner. Your provider will pay for all the fire-related damages, including cleanup of smoke damage and water damage.
In addition to paying for the structural cleaning after the fire, your insurance company will also pay for related costs such as water extraction, contents restoration, and reconstruction. They should also pay if you are forced to move out of your home for a while due to the damage.