What coverage does a fire insurance policy usually exclude?

A fire insurance policy typically excludes loss of property caused by the application of heat. This is because this type of loss is not directly related to a fire but rather to a controlled application of heat that may not result from a fire incident. Common examples include situations where heat may be used intentionally, such as in cooking or manufacturing processes, leading to a loss that does not fall within the scope of what fire insurance is designed to cover.

The other options involve scenarios that would typically be covered by a fire insurance policy. For instance, fire damage to personal property and damage caused by lightning are generally included in the coverage. Additionally, fire damage resulting from electrical short circuits can also be included since such a short circuit could lead to a fire, meaning that the resultant damages would generally fall under the protection offered by a fire insurance policy.