Understanding What Is and Isn’t Covered by Fire Insurance

Are you considering buying fire insurance? Have you done some research on it, but find it hard to figure out what is and isn’t covered by fire insurance? If so, then you’re in the right place.

When you own a business or rent a property, fire is a constant concern. Fire can destroy everything that you have worked hard to achieve.

This article provides key insight into what fire insurance covers and what it doesn’t, so that you can make an educated decision about it.

Let’s begin!


Fire insurance is designed to cover damage caused by fire and lightning, so it is important to know the specific coverage and limitations of a policy. Generally, a policy will cover the cost of repairs or replacements for structures and belongings that have been damaged by fire or lightning. 

This coverage may include reimbursement for any necessary repairs to the property, as well as costs related to the replacement of contents that have been damaged or destroyed by the lightning.

Aircraft Damage

This includes any property or material inside the aircraft that’s been damaged by the said fire, as well as any direct or indirect loss of profit due to the aircraft’s inability to fly during repairs. The insurance covers any passenger injuries or deaths caused by the fire, as well.

Fire insurance covers in-flight fires, as well as those that happen on the ground and those that are intentionally caused. It also covers any impairment of the aircraft’s structural components due to the fire, such as engines, wings, and fuselage.

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Arson is the intentional or malicious setting of fire to someone’s property. It is not typically covered by fire insurance policies. This means that if a fire is the result of intentional or criminal actions, there is no coverage under the policy.

This could leave policyholders financially responsible for any harm to their property caused by arson. Other coverage exclusions can be found by thoroughly reading your fire insurance policy. It’s important to understand what your policy does and doesn’t cover before an incident occurs.

Vacant Home

If the home is vacant and there is no one living in it, many fire insurance claim policies will not cover any damage. Because the policyholder is not occupying the residence, the insurer may determine that the insured is not utilizing its duty of care to prevent a fire and the policy may become void.

Additionally, fire insurance will not cover certain items such as buildings, machinery, or inventory. This was attached to the residence and considered extra outside-of-the-dwelling coverage. To ensure a successful fire damage claim, research more on fire damage claims and how to get your house covered.

Learning What Is And Isn’t Covered by Fire Insurance

Fire insurance provides important financial protection in case of fire or smoke damage, but it is important to be aware of what is and isn’t covered as there may be items excluded. Consider talking to an insurance provider to ensure a comprehensive policy is in place that meets your exact needs.

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