28/07/2026
Fire Policy (Fire Insurance) is an insurance policy that protects your property against financial loss or damage caused by fire and certain related risks. It helps cover the cost of repairing or replacing insured property after a covered event. �
A standard fire policy typically covers:
Fire damage
Lightning
Explosion or implosion
Smoke damage resulting from a covered fire
Damage caused while extinguishing the fire (such as water damage) if covered under the policy terms.
It can insure:
Residential houses
Commercial buildings
Factories
Office premises
Furniture, machinery, equipment, and stock
Common exclusions include:
Deliberate or intentional fires
War and nuclear risks
Normal wear and tear
Losses specifically excluded in the policy wording.
