Well, I'm going on personal experience, what my own agent told me, using those very words, and the activities all my insurance company clients seem to take in my forensics work. Never heard of your one bite rule in homeowner's insurance, I guess that's a way to avoid claims and save money? My point is, insurance companies don't, in any of my experience so far, go to the homeowner and second guess whether they should cover your stupid act in normal course.
Of course, fraud, or arson might be rejected .And yeah, I guess they have the right also, to just cancel your policy outright. What's the term they use for "too many claims", I forget.