While my mom, grandma, and I were coming home from Billings and my brother calls while we are 100 miles out of Boise (we drove to Billings) and my grandma starts freaking out about it cause she has no idea of what is going on and how it has started on fire. While we were getting closer my grandma was able to talk to the firemen and she was told that it started by a cigarette. My grandma was still on the freaking side and when she was able to talk to her insurance agent and he said that it was going to be covered. My grandma had calmed down after that and when we got to the house to see the damage, she didn’t really go off the handle like we all thought she would.