Which catastrophic event typically falls under the coverage of a fire insurance policy?

Fire insurance policies are specifically designed to cover risks associated with fire and related perils. The primary intent of these policies is to provide financial protection against losses that occur due to fire, and this includes damage caused by lightning strikes, which can ignite a fire.

When lightning strikes and results in a fire, the policy would cover the damages linked to that fire event. This aligns with the fundamental purpose of fire insurance, making it relevant and applicable in this context.

On the other hand, while earthquake damage and flood damage are catastrophic events, they fall outside the scope of coverage typically provided by fire insurance, as these events are not related to fire. Additionally, theft during a fire can also complicate matters, as it may fall under different types of insurance, such as homeowner's or commercial property insurance, rather than being specifically covered under fire insurance.