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Fire insurance policy covers fire caused by accident
28 Jun 2021 (430 views)

Someone asked me:

May i seek your view on the following:
For many years, I bought home insurance from a reputable insurer.  I thought
that I would be covered if the house caught fire because someone in my house
forgot turn off the iron, the stove, etc.

However on further checking (with this and another insurer),they say these cases are NOT covered. 

Actually I believe majority of house caught fire is due to owner forgotten something, its very rare that fire is due to bad wiring by PUB or "act of god".  I have decided to stop insurance renewal totally, I will bear the risk myself for act of god.
What do you think.

TKL reply
The insurance policy covers fire caused by negligence, except when the insurer can prove that it was intentional. 

Quotes from Google
Does Insurance Cover Negligence? Depending on the level of negligence and the type of damage, your insurance policy might still pay a claim if it occurs because of your negligence. ... Negligence is a case-by-case assessment, so you should always do whatever seems reasonable to protect your property and that of others.

Fire insurance, much like the named peril, covers accidents that result in fire. ... This may be stating the obvious, but the only time your insurance won't cover a fire is if you, or anyone on your policycaused the fire on purpose – that's considered negligence, something never covered in insurance.
 


Fire insurance policy covers fire caused by accident
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Someone asked me:

May i seek your view on the following:
For many years, I bought home insurance from a reputable insurer.  I thought
that I would be covered if the house caught fire because someone in my house
forgot turn off the iron, the stove, etc.

However on further checking (with this and another insurer),they say these cases are NOT covered. 

Actually I believe majority of house caught fire is due to owner forgotten something, its very rare that fire is due to bad wiring by PUB or "act of god".  I have decided to stop insurance renewal totally, I will bear the risk myself for act of god.
What do you think.

TKL reply
The insurance policy covers fire caused by negligence, except when the insurer can prove that it was intentional. 

Quotes from Google
Does Insurance Cover Negligence? Depending on the level of negligence and the type of damage, your insurance policy might still pay a claim if it occurs because of your negligence. ... Negligence is a case-by-case assessment, so you should always do whatever seems reasonable to protect your property and that of others.

Fire insurance, much like the named peril, covers accidents that result in fire. ... This may be stating the obvious, but the only time your insurance won't cover a fire is if you, or anyone on your policycaused the fire on purpose – that's considered negligence, something never covered in insurance.