Fire insurance is about getting compensated for losses caused by fire, not making a profit. The principle of indemnity ensures that you don't get more money than what you actually lost. This principle also leads to rules like subrogation and contribution, which prevent you from benefiting too much from your insurance. When it comes to fire insurance, factors like policy coverage, salvage value, and underinsurance are important to consider. By understanding these principles, courts can make fair decisions in fire insurance cases. The goal is to make fire insurance in India more effective for both insurance companies and customers by reducing uncertainty in contracts.