Which event is typically excluded from a fire policy?

The event that is typically excluded from a fire policy is war and hostilities. Fire insurance policies are designed to provide coverage for damages caused specifically by fire, smoke, and related perils. However, most policies explicitly exclude losses resulting from acts of war or hostilities due to the unpredictable and extensive nature of such events. These exclusions are in place because damages from war can be catastrophic and are generally considered uninsurable risks.

In contrast, the application of heat can be a covered peril under certain conditions, as can lightning damage to electrical devices if specific coverage is included. Natural disasters might also be covered under certain policies or could require additional endorsements, depending on how the policy is structured. Therefore, war and hostilities represent a distinct category of risk that fire policies are not designed to address, highlighting the importance of understanding the coverage limitations inherent in fire insurance.