What are the risks insured against?
Most fire insurance for buildings provide cover against damages caused to the building by:
- fire
- lightning
- domestic explosion
- bursting or overflow of water tanks and apparatus
- road vehicle impact
- aircraft impact
- malicious intent
- riot and strike
- earthquake, windstorm and flood
Depending on the insurers, other perils such as subsidence and landslip due to windstorm and flood may also be included.