533. Losses covered by policy
Subject to any express condition therein contained, the policy covers—
(1) loss by fire owing to the negligence of the assured, in the absence of fraud;
(2) loss by fire arising from the wilful misconduct of the assured's wife or servants or other members of his or her household, without his or her privity;
(3) losses consequent upon the fire including therein damage by water or the cost of removal of the property insured.