The standard fire policy covers the risk of fire, lightning, and explosion, and the insurance coverage can expand to include the following risks:

  • Storms, tornadoes, and floods.
  • Earthquakes
  • Burst of water pipes and overflow of water tanks.

  • Impact by third party vehicles.

  • Airplane crashes.

  • Strikes and disturbances.

  • Intentional harm resulting from the condition of strikes and disturbances.

  • Theft by dislocation or breakage.

A detailed proposal form must be filled by the insured.