About Fire Insurance

Coverage

Perils Covered Under Fire Insurance:

Standard Fire Perils

Fire

The policy covers damage to property caused by fire

Lightining

All damage or destruction caused by lightning is covered

Explosion

Damage caused by explosion is not fire damage. However, limited explosion cover is provided within the standard fire policy. This is restricted to explosion of boilers or gas used for domestic purposes only. For example, a boiler used for supplying hot water in a factory canteen or for a central heating system is used for ‘domestic purposes.

Special Perils

Social perils such as, riot, civil commotion, strikers, locked-out workers, persons taking part in labor disturbances, malicious persons
Perils of nature such as, floods, earthquake, hurricane, impact damage, storms
Perils of a chemical type such as, explosion, spontaneous fermentation or heating
Subsidence and Landslide including Rockslide
Bursting and/or overflowing of Water Tanks
Apparatus and Pipes Leakage from Automatic Sprinkler Installations and Bush Fire.