Fire is one of the greatest killers in the home, and an extremely dangerous risk to your property. The most common cause of house fires is cooking appliances and cigarettes.
Simple common sense measures, and being aware when it comes to cooking and smoking can prevent this type of situation.
Home insurance policies should certainly cover for fire damage to the buildings and the content. As a property owner you should ensure that you have a plan in action should a fire start. Smoke alarms save lives, and every floor should have one.
If you change your property, be aware that you should consult your insurance company first to see whether the extension will be covered. Insurers may not cover the total value of any extensions, or refuse to cover them altogether.