“How can explosion touch me?”

You can get anything insured. Just look at Betty Grable's legs. And there are still explosions in residential areas due to gas leaks. There was a house near our block that went up in a gas explosion after the city did some work on the drainage system for the rainwater. The machinery must have clipped an underground supply pipe when it was being worked on. It is still a vacant lot after 15 years.

In the 1950s, you could get insurance for the other viewpoint -- grain elevators would often put a rider on their policy to pay for damage to other people's property if they exploded. Basically, it just increased their liability coverage for that risk.

It's my understanding modern homeowner policies cover everything except war, riots, floods, and damage you do yourself. You have to take out separate insurance for those. When my neighbor's remodeling project went off the rails and caused his garage to fall down, smashing my fence and taking out a couple of shrubs, my insurance company was quick to step up and pay for all the damage. My agent explained they love to do it because they just add 15% for processing and send the bill to the other guy's insurance company. It's never disputed.

A house near me had a gas explosion that laid the front wall down in the yard like it was hinged along the bottom. Nothing else changed; all the furniture stayed as it had been. For a day or two, when you drove by, it was like looking into a doll house, except everything was full size.

Going back almost 60 years, I can remember my parents driving us by a two story house where the gas water heater had malfunctioned. It basically took off like a rocket, and left a hole in the roof.