A more thorough explanation:

Fire insurance is a type of insurance policy that protects you if your home or property is damaged or destroyed by fire. It can also cover other risks like lightning, explosions, water damage from fire sprinklers, or burst water pipes or tanks. However, intentional fires are not covered.

For example, if your house catches fire and is severely damaged, fire insurance can help cover the cost of repairs or rebuilding. If a lightning strike causes a fire that damages your property, fire insurance can also help cover the cost of repairs.

It's important to note that the coverage and extent of protection can vary depending on the insurer and policy. Therefore, it's essential to read and understand the specifics of your plan.