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Arson is a covered claim to a homeowner's insurance policy. Your coverage will include damage to the home, other structures, the personal property (usually at replacement cost), additional living expenses and other specific benefits along with scheduled property.
I am assuming, of course, that the the policyholder was not involved in the act of arson.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Fire is a covered peril in every homeowner’s policy. This is the most basic coverage available. If the fire is accidentally caused by the tenant it is covered. If the owner purposely burns down their insured property they are committing a crime. Even under those circumstances coverage might be extended to another insured.
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I am assuming, of course, that the the policyholder was not involved in the act of arson.