what is fire insurance 
fire insurance is a form of property insurance that covers damage and losses caused by fire most policies come with some form of fire protection but homeowners may be able to purchase additional coverage in case their property is lost or damaged because of fire purchasing additional fire coverage helps to cover the cost of replacement repair or reconstruction of property above the limit set by the property insurance policy fire insurance policies typically contain general exclusions such as war nuclear risks and similar perils damage caused by a fire set deliberately is also typically not covered 1