What does fire insurance cover?

Fire insurance covers losses that have been caused by fire, explosions and implosions as well as lightning damage. Aircraft damage may also be covered, but that depends on the contract agreed to by the applicant and the insurer. In order for a fire incident to be considered eligible for fire coverage it has to meet several categories. One is that Fire has to be the main cause of the loss. Another is that Fire has to be hostile in origin and it also has to be accidental. Thefts are common during fires, unfortunately basic fire insurance policies does not cover losses from theft.