In insurance terms, what does the loss "due to fire" fall under?

Fire-related losses typically fall under homeowner insurance, as this type of policy is specifically designed to cover damages to a person's residence and personal property caused by various perils, including fire. Homeowner insurance provides financial protection for homeowners by offering coverage for the structure of the home, as well as personal belongings inside it, against risks like fire, theft, and natural disasters.

The concept of loss "due to fire" aligns with the common exclusions and coverages outlined in homeowners insurance policies, which not only include damage to the dwelling itself but also any additional structures on the property, such as garages or sheds, and possibly even liability coverage related to incidents occurring on that property.

In contrast, liability insurance mainly focuses on legal liabilities arising from injuries or damages inflicted on others, rather than covering personal property loss like fire. Marine insurance pertains to watercraft and goods transported over water, which does not encompass fire losses related to residential properties. Replacement cost insurance is a method of calculating the payout after a loss, ensuring the homeowner receives enough funds to replace damaged property at current market prices, but it does not inherently categorize the type of loss itself. Therefore, homeowner insurance is the most appropriate category for losses due to fire.