Final answer:
The Standard Fire Policy covers property damage due to fire, including damages from smoke, water used to extinguish the fire, and damage caused by firefighters during their efforts.
Step-by-step explanation:
The Standard Fire Policy traditionally covers property damages caused by a fire. The coverage extends to damages resulting from a direct loss due to fire, such as the destruction of a building, its contents, and any additional structures. It might also cover losses from smoke or water damage as a direct result of extinguishing the fire, as well as damage from firefighters’ efforts to control and put out the fire.