Burn down your house in a careless cooking fire! 🍳😬🔥 Is it covered by insurance? 🤔

Here's the scenario: Someone ends up accidentally burning down their home when the pan they're cooking with catches fire in the kitchen!

Yes, it was a careless mistake, but will their homeowner's insurance still cover the damages?

For insurance companies, there's a huge difference between an accidental and an intentional fire. If someone starts a fire intentionally, that isn't going to be covered. That is fraud.

However, damage from a fire that was started unintentionally (even if it was by the owner of the home) is going to be covered. That's what insurance is intended to cover in the first place.

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