Standard Fire Insurance Policy is a traditional cover that offers cover against fire and allied perils which are named in the policy.

What is covered under fire insurance. It is important to always refer to your contract and in case of doubt or questions to speak with an insurance agent. There are exceptions to this as with anything. Regular personal property such as a television or personal use computer is covered under your policy up to your personal property limit.

So if there was a short-circuit in your apartment that caused a fire youre covered. But most people will breathe a sigh of relief to know they will not have to pay for their home to be repaired or rebuilt or for their belongings to be replaced. Actual loss of goods due to fire Additional living expenses due to damage to personal property Loss to adjacent.

Such policies also cover fire water restoration services water sprinkler leaks and damage caused by water. If the source that caused the fire isnt covered by insurance ie. If these items are worth more than the limit specified you may want to insure them as scheduled personal articles.

Comprehensive coverage applies when the vehicle is. Exceptions The permanent exclusions of fire insurance are any loss caused by war or warlike situation civil unrest nuclear attack pollution political unrest mechanical breakdown etc. On the other side keep in mind that there is always a chance for some malfunction of those devices.

What is covered under fire insurance policy. Special limits are set on items like jewellery or fine arts. These include fires brought about by electricity such as faulty wiring and gas explosions as well as.

Other covered perils may also be included such as wind or hail damage. Some of the properties that are covered under the policy are. In that matter it is crucial to have proper insurance as a fire contractor so you can get coverage in case of such an accident.