A. Fire and fire are risks covered by family property insurance, not "fire caused by wire aging", and wire aging is not a covered risk.

The proximate cause principle of "taking advantage of chaos to rob" after a fire (fire) is a fire, so it is also compensated as part of the loss in the fire. (Unless the jewelry is not insured, there is no special special insurance).

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.