Well there is all ways the faulty vehicle angle as well you purchase a Vehicle with known issues of say Spontaneous combustion and then have it burn up in the Garage. That would be no fault of your own other than the purchase of the car that is. And it would likely result in a quick payout. Or you could hire some one to break into the house kill them set fire to the house and that goes down as a break in gone bad how ever you dont let then in on the you killing the other guy part. Another way would be to setup a smoker friend to watch the house get them pissed and then light a smoke once they pass out and they get the blame not you insurance would pay for the house and if planned enough in advance you could make some money on the death of the friend as well by taking out a policy on them making you the beneficiary.