Perils cover under fire insurance :-

💥 In Indian fire insurance policies, coverage typically extends to a range of perils or causes of loss related to fire and associated risks. While the specific coverage details can vary between policies and insurance providers, here are the common perils that are typically covered in Indian fire insurance:

1. Fire: This is the primary peril covered by fire insurance. It includes damage caused by actual flames, whether accidental or intentional.

2. Lightning: Damage resulting from lightning strikes to the insured property is typically covered.

3. Explosion: Fire insurance policies often include coverage for damage caused by explosions, such as gas explosions or other types of explosions.

4. Aircraft Damage: Damage caused by aircraft or articles dropped from aircraft, including debris, is usually covered.

5. Riot, Strike, and Malicious Damage (RSMD): Damage to the insured property due to acts of riot, strike, or malicious intent is typically covered.

6. Storm, Cyclone, Typhoon, Hurricane, Tornado, Flood, and Inundation: Damage caused by these natural disasters is typically covered as an optional add-on or extension to basic fire insurance.

7. Impact Damage: Damage caused by impact from vehicles, animals, or falling objects is often covered.

8. Bursting or Overflowing of Water Tanks, Apparatus: Damage resulting from the bursting or overflowing of water tanks, pipes, and apparatus is typically included.

9. Subsidence and Landslide: Damage due to subsidence (sinking) of the insured property's ground or landslides is sometimes covered as an add-on.

10. Bush Fire: In regions prone to bushfires, coverage for damage caused by bushfires may be available.

It's important to note that while these perils are commonly covered, the extent of coverage, policy limits, deductibles, and exclusions can vary from one fire insurance policy to another. Policyholders should carefully review their insurance policies to understand the specific terms and conditions of coverage.

Additionally, some insurers offer specialized packages or endorsements that can be added to fire insurance policies to provide coverage for additional perils or risks not covered under the standard policy. These additional coverages may include earthquake, terrorism, and more, depending on the insurer and the policy options available.