What does "fire insurance" specifically cover?

Fire insurance specifically covers losses caused by fire to property. This type of insurance is designed to provide financial protection against the destruction and damage that can arise from fire incidents. It typically covers the costs associated with repairing or replacing structures and personal possessions that are damaged or destroyed by fire.

Fire insurance policies may also cover additional associated risks, such as smoke damage, explosion, and in some cases, damage from the efforts taken to extinguish the fire. However, it is important to note that the coverage is specifically linked to fire-related incidents, which distinguishes it from other types of insurance that might cover water damage or natural disasters.

In contrast, other options discuss scenarios outside the specific realm of fire-related damages, such as water leaks or natural disasters, which are typically addressed by different types of insurance policies. Personal injuries related to fire would generally fall under liability or health insurance, not fire insurance specifically. Thus, the correct answer encompasses the primary focus of fire insurance: protection against property loss due to fire.