Maryb, I am sure many insurance companies have different clauses, but this one really stuck out!
If a fire broke out in a house, chances are that it was caused by a stove, heater, dryer etc.
It would be awful to think you were covered only to find out you're not!
AAMI and many others I have researched do not have this clause, I was just making it clear for others as well incase they thought they were covered.