Buildings & Contents Insurance.

[clarahenders]

I'm puzzled. My insurance policy covers me for fire, but not caused by electrical faults.
This seems to be an exclusion of most insurance policies.
I dont smoke, or have any children who could play with matches. I have overnight charging electrical storage heaters, so if i had to guess, that would be the only cause of a fire if i had one as i'm sometimes out overnight when they click on!!
What fire scenario are they actually covering me for??

[Ethel]

Chip pan fires are very common - and very damaging.
Fires started by candles.
Improper use of gas cannisters.
Hair dryer left on bed switched on.

There are very many ways a fire could be started in your home, mainly by carelessness.

[bednobs]

my washing machine caught fire and i presume would ahve damaged the house had i not been there

[flip_flop]

I expect you'll find an electrical fault that occurs in an appliance and damages the appliance will not be covered, but any subsequent damage would be.

[kaztuz]

Arson,
Fire spreading from an outside or third party source/property