Recent thunderstorms meant our phone got fried by lightning, which set me wondering if our house got hit, would it be covered by our general insurance policy?
Your policy should spell this out. You'd really have to check with the provider, There are so many exclusions and inclusions it's hard to know.
I recently saw a policy that didn't cover "Accidental" Fire. I don't know what other kind of fire there is, but it sounded to me like you would need to make the fire look deliberate in order to get the payout.