Losses due to fire to the property of the insured, including movable and immovable assets, are compensated by fire insurance. Fire policies specifically cover physical damage to the property and do not include coverage for personal injuries. However, it is possible to purchase third-party liability coverage separately under fire policies

Fire insurance primarily covers the actual damage caused by fire, such as the destruction of buildings, personal belongings, and business assets. Furthermore, it often extends coverage for damages caused by smoke, heat leakage, ash, or water used to extinguish the fire. This comprehensive coverage ensures that policyholders are protected from both the direct impact of flames and the secondary effects that can exacerbate the losses.