What coverage must a policy insuring the peril of "fire" include?

A policy that insures against the peril of "fire" must include specific additional coverages to comprehensively protect against related risks. One of the key components of fire coverage is the inclusion of "lightning." This is essential because lightning can cause fire damage directly or indirectly by igniting combustible materials.

Moreover, including coverage for "explosion of natural, coal, or manufactured gas" is critical as these types of explosions can lead to significant fire damage. Many fire incidents are initiated by explosions of flammable gases, and having this coverage ensures that homeowners are protected from these related risks.

Together, lightning and gas explosion coverages complement the fire peril, ensuring that policyholders are not left vulnerable to common causes of fire damage. Therefore, a policy insuring against fire must incorporate these elements to offer adequate protection under the conditions specific to the risks typically associated with fire events.