Many insurance policies will not cover fires that are started intentionally by humans. I find that amazing and ridiculous and criminal. In my opinion that a fire could be started down the street a block away or across town and that if it were started intentionally either through our son or something that got out of control that somehow your house burning down is now your responsibility.
That will not stop me from laughing at the multimillionaire liberals who voted for all of this and now I have to move into their second homes