A flood somehow caused a fire to break out destroying your things youd also be.

What is covered under fire insurance. 10 rows A fire insurance policy provides comprehensive protection against any damage caused due to fire. Actual loss of goods due to fire Additional living expenses due to damage to personal property Loss to adjacent. Fire insurance covers a policyholder against fire loss or damage from a number of sources.

This coverage also includes your personal belongings and any expenses for lodging and meals above and beyond your normal living expenses up to the policy limits. Fire damage is covered by the standard contract. Fire-fighting charges in a municipality in which you do not live eg during a hotel stay and for which an arrangement is made will be covered.

Other perils covered under fire insurance include lightning malicious damage explosions impact damage natural disasters bursting of water tanks subsidence and landslide. The policy can cover the building including plinth and foundation plant and machinery stocks furniture fixtures and fittings and other contents. Regular personal property such as a television or personal use computer is covered under your policy up to your personal property limit.

On the other side keep in mind that there is always a chance for some malfunction of those devices. Other covered perils may also be included such as wind or hail damage. Such policies also cover fire water restoration services water sprinkler leaks and damage caused by water.

Fire insurance is a type of insurance coverage that is typically included in your homeowners insurance policy and covers the costs of damages to your property due to a fire. Fire or any other damage caused by lighting is covered by the policy. Typically fire damage is covered as a Specific peril or included as part of Comprehensive or All Perils coverage in Section 7 of OAP 1.

The fire insurance policy has been renamed as the standard fire and special perils policy. It is important to always refer to your contract and in case of doubt or questions to speak with an insurance agent. Such a problem can lead to more serious damage in the building that is under fire or cause injuries to people in it.