Traditional homeowners insurance usually adequately covers your home and the contents in the event of a fire.

What is not covered by fire insurance. 2 Lightning The policy covers all the damage caused by fire produced because of lightning. Your home insurance policy may cover damages caused by the following types of unexpected events. If the fire occurred in a vacant household with no one at home during the time of the fire the damages will not be covered.

Some situations are excluded. Coverage limits will differ however and its important to check with your agent to see how much you will receive. Your fire policy covers all types of fire damage except heating caused by natural factors fermentation or spontaneous combustion.

Certain items like precious stones artworks manuscripts securities drawings paintings important documents paper money coins and computer system records are not covered under the fire and allied perils policy unless they are specifically stated or declared. Wind-related weather including storms tornadoes and hurricanes. The policy covers fire damaged caused due to explosion or implosion.

Standard fire policy provides cover for damage to property caused by fire lightning or explosion. Pressure Boiler Plan Insurance Policy will basically cover these risks. Most policies cover your home regardless of whether the fire originates from within the home such as with a cooking fire or electrical fire or from outside the home such as with wildfires or arson.

If the source that caused the fire isnt covered by insurance ie. Home insurance for fire damage. This may be stating the obvious but the only time your insurance wont cover a fire is if you or anyone on your policy caused the fire on purpose thats considered negligence something never covered in insurance.

Not all situations and cases are covered by fire insurance. Unexpected events and disasters that are usually covered. If the fire is due to any heating or drying process then such fire is not covered under the fire insurance policy.