The insurance may cover it, but depending on the relation with the insurance they may pay it and then jack your rates up. I think that sort of thing would fall under a single car accident or some crap like that, so say you've gotta pay $500 deductable, your going to save $500(with the assumption that its 1G to repair.....)
Its not worth the hastle with the insurance, save that call for the next time you see smoke....do as puppet said....burn it to the ground!
Its not worth the hastle with the insurance, save that call for the next time you see smoke....do as puppet said....burn it to the ground!