Property insurances most common causes of loss are fires.

Home insurance is a type of insurance policy that provides financial protection for your residential property. It is designed to safeguard homeowners against various risks and perils that could damage or destroy their homes, and personal belongings, or cause liability issues. Home insurance policies usually cover a range of perils, including and not limited to fire, lightning, windstorm, hail, theft, vandalism, and water damage, or hurricane protection (unless it's caused by floods or earthquakes, which typically require separate policies).  In short, home insurance offers financial protection and peace of mind by covering potential damage to your home and personal belongings and liability risks associated with homeownership. It helps homeowners recover their losses from unforeseen events and provides support during challenging times. 

Fire insurance is a specific type of insurance policy that provides coverage against damage or loss caused by fire-related incidents. It is designed to financially protect individuals, homeowners, and businesses from the devastating effects of fire. A fire insurance policy typically covers the cost of repairing or rebuilding a property that has been damaged or destroyed by fire. It may include coverage for the structure of the building, as well as any personal belongings or assets contained within it. This can include items such as furniture, appliances, electronics, clothing, and valuable possessions. 

Tenant and renters insurance policies are designed to provide protection for individuals who are renting a property, such as an apartment or a house. These policies offer coverage for personal belongings, liability, and additional living expenses in the event of unexpected events or accidents. One key aspect of tenant and renters insurance is coverage for personal belongings. This includes furniture, electronics, appliances, clothing, and other personal items. If these belongings are damaged or destroyed due to covered perils like fire, theft, or vandalism, the insurance policy will provide reimbursement for the cost of replacing or repairing them.

Condo and townhome insurance policies offer protection for both the physical structure of the unit as well as the personal belongings of the owner. When it comes to the physical structure, condo, and townhome insurance typically covers the interior walls, fixtures, and appliances within the unit. It also provides coverage for any improvements or upgrades made by the owner. In addition to structural coverage, condo and, townhome insurance policies include personal property coverage. This means that your belongings, such as furniture, electronics, clothing, and other valuables, are protected against perils like fire, theft, vandalism, and certain natural disasters.