At PSIC, our standard Homeowners, Renters, Condo, Mobile home, Landlord, Motorcycle, and Off-road vehicle insurance policies include protections against fire damage.

When we receive a report of an incident, we initiate an investigation to analyze how it originated and what material damage it caused, among other things. In the case of a fire, the key issue is to determine that it was not intentional, as a form of fraud against the insurance company.

As strange as it may seem, it is common for owners of personal or business properties to make this maneuver to receive money from the insurance companies. The main problem is that, as detailed in your PSIC policy, the coverage includes fires that are not the responsibility of the insured and, therefore, damages caused intentionally are not compensable.

Please, refer to your policy to find all the details and exclusions of coverage.