You'll have to find a copy of a homeowners policy for reference. What you're looking for is a clause that releases the insurer from responsibility in the event

You'll have to find a copy of a homeowners policy for reference. What you're looking for is a clause that releases the insurer from responsibility in the event of gross negligence on the part of the homeowner; such clauses do exist. To be gross negligence, they'd basically have to show that you knew what you were doing would possibly lead to burning down your house.