Some do but it would only cover fire damage for your property like your office. On some it is excluded. You would have to check on your binder
No, only "comprehensive" coverage would pay for that. Liabiility AKA PLPD AKA property damage and liability ONLY covers other vehicles you may damage in a crash YOU have caused.
Yes, in most cases your neighbor's insurance may be responsible for paying for fire damage to your property caused by your neighbor's negligence. You would typically need to file a claim with your neighbor's insurance company to seek compensation for the damages.
Damage to Premises Rented to You - formerly known as Fire Legal Liability Coverage - covers your liability to others if you occupy leased or rented property for which you could be held legally liable for damage to the property due to fire or explosion.
Any building property policy such as a homeowner policy or commercial property policy will cover fire damage.
Damage to property and smoke inhalation are the main problems
absolutly, and he can take everything you have if you don't have enough to pay his damages!
Depending on what type of property damage you suffered, property damage to another can usually be covered under the homeowners liability portion. Automobiles are never covered under a home insurance policy. If your home was also damaged by the fire, generally your own home insurance would provide coverage for your losses. Pain and suffering however would generally require some sort intentional malice on the part of the home owner who has been a victim of a house fire.
If your property caused damage to another persons property then yes. For example if your chimney fell onto their roof they would be covered. Also if a fire started in your property and spread to theirs this should be covered.
Because it burns everything up in the fire caused by arson!
The damage that a fire can cause will vary depending on how fast it spreads. This may include causalities, fatalities, destruction of property, pollution of the environment and so much more.
The typical house insurance policy covers damage to your property and personal liability coverage. Damage to your property includes fire, lightning, tornado, and hurricanes.