I can afford to stand all oter risks exept total destruction by fire & no I'm certainly not planning to have a fire!

Unless you don't have a mortgage on the home, you are required to have Homeowners insurance. You can't have a mortgage without coverage. If you don't have a mortgage, you can have dwelling fire coverage, but it's not smart...it's limited and will cover content.

No I don't think so. You can afford to rebuild after an explosion can you? what if a truck or uninsured vehicle crashes into your property............what if,what if? Some very unusual but devastating things can happen! even if it's a flat/apartment your property could still be severely affected by what happens to the block.

You MAY be able to convince an insurer to do a specialist policy for you, but to be honest its such a dubious request I doubt there would be much of a premium saving for you anyway. Insurance broker would probably be the best avenue to finding a suitable policy...

NB: this woud only apply if the property was unmortgaged, otherwise you will be breaking the terms of your mortgage by not having full buildings insurance.

no. you would need buildings and contents cover to get fire insurance that pays out for all of your stuff for a fire.

It is a strange question that leads me to think there may be a reason you ONLY want fire......

Building insurance.

It varies from state to state, but in most states you can get what's called a fire policy. This usually only covers the structure, not contents. And I'm pretty sure you can't get it if you owe money on the house, or reside within it.

do you plan on burning your house down and doing a claim? then with all the floods this last year why would you just want fire protection?

Maybe if you went back in time 200 years. Otherwise you have two options: Ask for the most basic policy an insurer has, which would cover Named Perils on both the Home and Contents, or get a broker to arrange a manuscript policy with a specialty insurer, which will end up costing you three to four times as much.

i agree with the first answer
its strange why you want that
are you planning something.....?