Does insurance cover smoke damage

If it is the result of a fire, the homeowners insurance should definitely cover it. But if it is something like a fire in a chimney flue, maybe not. That is considered routine maintenance. If it isn't done a claim might not be valid. Perhaps you can find some information in your homeowners policy or contact your insurance provider.

If it's the result of a smoker living in the home, meaning you have nicotine and smoke stains from cigarette smoking, then no, that would not be covered.

It should be covered, no problem. There are many companies out there who specialize in taking care of smoke damage to furniture, clothing, etc.

If the smoke damage is from something sudden and accidental then yes it should be covered. If it's from cigarettes then no, it's not covered.