Which of the following would NOT be covered by a fire insurance policy?

Fire insurance policies are specifically designed to cover losses and damages that arise from fire incidents. The key aspect of fire insurance is that it provides protection against property damage caused by fire, which includes scenarios where the fire originates within the insured property and spreads, or when it is caused by issues like electrical faults.

Losses caused by enemy attacks or actions by armed forces, however, fall outside the scope of typical fire insurance coverage. These incidents are generally considered acts of war or terrorism, which are typically excluded in standard fire insurance policies. As a result, a fire insurance policy would not cover any damages or losses that result from such conflicts or hostilities.

In contrast, damage from a fire, whether from an accidental cause within the property, such as electrical faults, or from fire spreading from an insured structure, remains covered under the policy, as these scenarios directly relate to fire risk, which is the core focus of fire insurance.