Appliances are treated differently though. If you happen to have an appliance that malfunctions and burns down your house, the insurance will cover it. In fact, they will be eager to help you file your claim against the manufacturer of the appliance. However, if it shows that the appliance caught fire because of incorrect operation, negligence or poor maintenance, the insurer may reject any claims for compensation. For instance, if a forgetful senior leaves the stove on, the insurer may reject the claims. This is because the insurance may believe that the fire was preventable. As a result, you should carefully analyze your insurance policy to understand just what is covered and what is not. Moreover, having such information will urge you to take steps to protect your home from fire risk, if the insurance policy may not cover you in the instance of an incident.