{"id":1634,"date":"2022-08-23T15:32:21","date_gmt":"2022-08-23T10:02:21","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1634"},"modified":"2022-11-17T10:20:46","modified_gmt":"2022-11-17T04:50:46","slug":"what-is-covered-in-your-fire-insurance-policy","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/","title":{"rendered":"What is Covered in Your Fire Insurance Policy?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#Perils_covered_in_Fire_Insurance\" >Perils covered in Fire Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#General_Exclusions\" >General Exclusions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#Features_of_fire_insurance\" >Features of fire insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#Why_should_one_buy_fire_Insurance\" >Why should one buy fire Insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>We cannot prevent an unexpected fire, but we can buy a fire insurance policy to protect ourselves from financial loss caused by such a fire.<\/p>\n<p>The Great Fire of London or 1666 Fire of London resulted in the emergence of the first fire insurance company in the world.<\/p>\n<p>Fire insurance is a type of property insurance that covers loss or damage caused by an accidental fire or other perils included under a <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/fire-insurance-claim-process\/\">fire policy<\/a>. It provides financial protection for the losses caused due to damages to movable and immovable property.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-1637\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy.jpg\" alt=\"What is Covered in Your Fire Insurance Policy?\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2 style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span class=\"ez-toc-section\" id=\"Perils_covered_in_Fire_Insurance\"><\/span><b><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Perils covered in Fire Insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Damages due to <strong>fire<\/strong> are covered. Visible flames or actual ignition is fire. In fire policy, simmering or smouldering is not considered as fire.<\/li>\n<li>Damages due to<strong> lightning<\/strong><\/li>\n<li>Damages due to <strong>fire explosion<\/strong><\/li>\n<li><strong>Aircraft damages<\/strong><\/li>\n<li>Property damage caused by <strong>RSMD<\/strong> (riot, strike, malicious damage)<\/li>\n<li>Any damage due to <strong>natural calamities<\/strong> like storms, cyclones, typhoons, floods, etc.<\/li>\n<li>Damages due to <strong>bursting\/overflowing of the water tank, apparatus and pipes<\/strong><\/li>\n<li><strong>The fire spread from the bushes<\/strong>. But, damages due to forest fire will not be covered unless an add-on cover is taken.<\/li>\n<\/ol>\n<h2 style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span class=\"ez-toc-section\" id=\"General_Exclusions\"><\/span><b><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">General Exclusions<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Deliberate or intentional acts<\/strong><\/li>\n<li>Loss\/ damages caused by <strong>war and kindred perils<\/strong><\/li>\n<li>Loss\/ damage caused by <strong>nuclear peril<\/strong> (directly or indirectly)<\/li>\n<li><strong>Earthquake Volcanic eruption<\/strong> (earthquake can be covered by paying an additional premium)<\/li>\n<li>Loss\/ damage caused by <strong>pollution or contamination<\/strong><\/li>\n<li><strong>Fire by negligence and having a lack of fire protection instruments if mandated by Municipality.<\/strong><\/li>\n<\/ol>\n<p style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Read the terms and conditions of your fire policy as there can be more inclusions and exclusions.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2 style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span class=\"ez-toc-section\" id=\"Features_of_fire_insurance\"><\/span><b><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Features of fire insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>The person who is buying a <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-fire-insurance-and-features-of-it\/\">fire policy<\/a> must have an<strong> insurable interest <\/strong>in the subject matter (property to be insured) at the time of purchasing as well as at the time of loss. You cannot buy a fire policy for your neighbour\u2019s house.<\/li>\n<li><strong>Fire<\/strong> should be the <strong>proximate cause<\/strong> of the loss\/damage.<\/li>\n<li>The insurance company is liable to pay the claim only to the extent of the actual loss incurred as fire insurance is <strong>a contract of indemnity<\/strong>. If there is no loss, you cannot ask for a claim.<\/li>\n<li>The insurer will only compensate the insured according to the proportion of loss up to the sum insured.<\/li>\n<\/ol>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><strong><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Example:<\/span><\/strong><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Ms. Ananya Chakrobarty bought a fire policy of Rs 10,00,000 for a property worth Rs 20,00,000. Sum insured was Rs 10,00,000. <\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Later half of the property was damaged due to a fire. The insurer will pay only Rs 5,00,000.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Explanation:\u00a0<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Actual value of the property: Rs 20,00,000<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Sum insured: Rs 10,00,000<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Actual Loss: Rs 10,00,000 (as half of the property was damaged due to fire)<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Claim Payable: (Sum insured X Actual Loss) \/ Actual value of the property<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 90.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">= (10,00,000 X 10,00,000) \/ 20,00,000<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 90.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">=Rs 5,00,000<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 18.0pt;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Since half of the property was damaged, the complete amount of the policy shall not be payable.<\/span><\/p>\n<h2 style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span class=\"ez-toc-section\" id=\"Why_should_one_buy_fire_Insurance\"><\/span><b><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Why should one buy fire Insurance? <\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Whether you are running a business or you are a house owner, fire insurance protects you from financial loss caused due to accidental fire. <\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/fire-insurance-claim-procedure\/\">Click here to know the procedure and documents required for a fire insurance claim<\/a><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Go ahead and buy a fire policy.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">In case of any insurance-related complaint, you can approach Insurance Samadhan.\u00a0<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Insurance Samadhan is a private body run by seasoned professionals. You can view many testimonials through our website. Visit our website to know more.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health Claim Rejection amid Covid-19<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp: <a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">9910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/\"\n  },\n  \"headline\": \"What is Covered in Your Fire Insurance Policy?\",\n  \"description\": \"Damages due to fire are covered. Visible flames or actual ignition is fire. In fire insurance, simmering or smouldering is not considered as fire. Damages due to lightning, fire explosion, Aircraft damages, and natural calamities like storms, cyclones, typhoons, floods, etc. are covered in fire insurance policy.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/What-is-Covered-in-Your-Fire-Insurance-Policy.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-08-23\",\n  \"dateModified\": \"2022-08-23\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We cannot prevent an unexpected fire, but we can buy a fire insurance policy to protect ourselves from financial loss caused by such a fire. The Great Fire of London or 1666 Fire of London resulted in the emergence of&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1636,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[94],"tags":[97,95,96,98,99],"class_list":["post-1634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fire-insurance","tag-features-of-fire-insurance","tag-fire-insurance-claim","tag-fire-insurance-coverage","tag-insurable-interest","tag-proximate-cause"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Covered in Your Fire Insurance Policy?<\/title>\n<meta name=\"description\" content=\"Fire insurance is a type of property insurance that covers loss or damage caused by an accidental fire or other perils...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Covered in Your Fire Insurance Policy?\" \/>\n<meta property=\"og:description\" content=\"Fire insurance is a type of property insurance that covers loss or damage caused by an accidental fire or other perils...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-23T10:02:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-17T04:50:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/wp-content\/uploads\/2022\/08\/thumb-5.jpg?fit=250%2C175&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"175\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Shailesh Kumar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shailesh Kumar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/\",\"name\":\"What is Covered in Your Fire Insurance Policy?\",\"isPartOf\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/thumb-5.jpg\",\"datePublished\":\"2022-08-23T10:02:21+00:00\",\"dateModified\":\"2022-11-17T04:50:46+00:00\",\"author\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/38d2f769aa9bdee462bd2b530c7a40b2\"},\"description\":\"Fire insurance is a type of property insurance that covers loss or damage caused by an accidental fire or other perils...\",\"breadcrumb\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-covered-in-your-fire-insurance-policy\/#primaryimage\",\"url\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/thumb-5.jpg\",\"contentUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/thumb-5.jpg\",\"width\":250,\"height\":175,\"caption\":\"What is Covered in Your Fire Insurance Policy? 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