Likely yes - at least temporarily. Homeowner's policies have a standard "intentional acts" exclusion, and insurers routinely deny fire claims once the state fire marshal rules the cause "incendiary" or once arson charges are filed. Many policies also contain a "fraud and concealment" clause that voids the entire policy if the insurer believes the insured lied or omitted material facts in the claim process. You have contractual rights - a civil claim against the insurer for bad-faith denial is often available - but those rights have to be coordinated carefully with the criminal defense. What you say in an insurance "examination under oath" can become criminal evidence, and what you say to a criminal investigator can torpedo the civil claim. This is why serious arson cases need a coordinated defense. Your Rhode Island arson lawyer at Bank & Munns works alongside civil counsel to protect both tracks at once.