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It is possible to cover things like this, and I know of a few companies that will - it does cause extra. However, most companies treat this kind of thing the same as they would anything that falls under the "preventative maintenance" heading. If you can prevent it, and most of your neighbors know enough to do it, you should be doing it too. Just because you're "lazy" doesn't mean that you should collect insurance money. The idea is that if you have a small fire and allow it to grow into a big one by ignoring it and not calling the fire department, you void the coverage since you cost the company more than you would have otherwise. The analogy's not perfect by any means, but it still holds true.
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