Which type of fire results in coverage under a property insurance policy if it causes damage?

The correct answer is hostile fire, as it refers to fires that originate from a source that is not intended to produce fire, resulting in unintended damage. Property insurance policies are designed to cover losses due to fires that spread beyond their intended control; therefore, a hostile fire fits within the parameters for coverage. This type of fire can arise from various situations, such as wildfires or structural fires that damage nearby properties.

In contrast, friendly fire usually refers to a fire that occurs within designed boundaries or containers—like a campfire or a fireplace—where the risks are controlled and the fire is intentionally set. Since these types of fires are expected and managed, property insurance typically does not cover damage from them because they do not result from unforeseen events.

Controlled fire is a similar concept to friendly fire, where the fire is kept under supervision and contained, indicating that it is not likely to result in damage as it is intended to burn without causing chaos. Thus, property insurance would not provide coverage in these situations either.

Mysterious fire does not have a clearly defined origin or cause, but it can also fall outside the scope of typical policy coverage since insurance companies require specific reasons for a loss to process a claim. This ambiguity does not meet the criteria for standard