Fires are among the most common types of claims made on home insurance policies. And they have many causes, including lightning, electrical problems or malfunctioning appliances. In some situations, your home insurance policy can cover the damages that occur as a result of the fire. However, this depends on the underlying cause of that fire. In some cases, your policy will not provide you with the protection you need. Insurance, for the most part, is about providing compensation for non-preventable and unexpected reasons. We can give you some examples. Most insurances will pay if your house is struck by lightning since this is something you could not avoid. They will also pay if the electrical wires are short-circuited and burn down your kitchen since it is impossible to see faulty wires inside the walls to repair them.