Do home insurance policies cover all types of fire?

I live in a very dry area. My neighbors like to set off fireworks and I'm nervous my house could catch on fire. Does home insurance cover this?

“Fire is a covered peril for both HO-2 and HO-3 home insurance policies. There are no specific exclusions regarding types of fire, as long as they are accidental or unintended.
A fire would not be covered if you purposely set it or intended to damage your home. It also wouldn’t be covered if the damage or fire resulted from a lack of maintenance or neglect.
However, if your neighbors are setting off fireworks, your home would be covered if anything should happen. Even if they were intentionally trying to damage your home, your insurance would cover you as it’s no fault of your own, which is similar to coverage that would happen if someone vandalized your car and you had comprehensive coverage.
If you’re worried about potential damage to your car from your unruly neighbors, you may want to add comprehensive coverage to your car. But before you do, make sure to compare rates on Jerry to select from over 50 insurance providers.”
Emily Maracle
Answered on Sep 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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