Losses caused by deliberately started fires are not covered by a fire insurance policy.
Additionally, since fire insurance only covers losses caused by a fire, your property would not be covered if it was damaged or lost due to another cause.
What Kind of Property Is Insured Against Fire?
Fire insurance typically covers any damage to your home or its contents caused by a fire.
This includes property that has been damaged by electrical fires, grease fires, candle fires, and other fires.
For many homeowners, a standard homeowners insurance policy will be sufficient to cover.
Losses caused by a fire, such as damage to the home’s structure or personal property.
Consider speaking with a financial advisor to determine if purchasing a stand-alone fire insurance policy would be beneficial to your circumstances.
