Burglary and theft insurance covers losses from all the following except?

Burglary and theft insurance is designed specifically to protect against losses that result from burglary, theft, and related criminal activities. When it comes to the question about what these types of insurance do not typically cover, fire damage stands out as the correct answer.

Fire damage is a risk that falls under a different category of insurance, often covered by a property or homeowners insurance policy. These policies are focused on protecting against losses from perils such as fire, wind, or water damage, among others. Unlike burglary and theft insurance, which is concerned with unlawful entry and the taking of property, fire damage is not a consequence of criminal activity.

On the other hand, theft, robbery, and vandalism are all related directly to criminal acts. Theft deals with the unlawful taking of someone else's property, robbery involves the use of force or threats to take property, and vandalism encompasses intentional damage to property. Since these events relate to the risk that burglary and theft insurance is designed to protect against, they are included within the coverage scope of such policies.