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Fire Insurance: What It Covers (and Where People Get It Wrong) Fire insurance is one of the most misunderstood sections of a policy. Not because it doesn’t work —but because it’s often expected to do more than it was designed to do. Fire insurance covers specific events, not every loss that may occur after a fire. So, what does fire insurance actually cover? At its core, fire insurance responds to physical damage caused by: • Fire • Lightning • Explosion and resulting smoke When these events occ
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