What type of insurance typically covers damages from a fire that partially destroys a property?

Hazard insurance is specifically designed to provide coverage for damages to a property caused by various perils, including fire. When a fire partially destroys a property, hazard insurance helps cover the costs associated with repairs or rebuilding, thereby protecting the property owner's investment. This type of insurance is often included as part of a homeowner's insurance policy, which typically encompasses a range of risks, including fire, theft, and weather-related damages.

In contrast, liability insurance protects against claims of property damage or injury caused to others, but it does not cover damages to the insured's own property. Flood insurance is tailored for damages resulting from flooding and would not apply to a fire incident. Earthquake insurance covers damages specifically caused by seismic activity, and like flood insurance, is not relevant to scenarios involving fire damage. Therefore, the selection of hazard insurance is appropriate as it directly addresses the specific context of fire-related damage to property.