The standard perils covered under the Fire and Allied policy are fire, lightning earthquake, storm, tempest, flood, bursting overflowing of water tanks and apparatus impact damage, aircraft damage, riot strike, malicious damage, and explosion. These policies may also protect against loss of earnings sustained during this period.
This policy protects against the risk of damages or losses due to lightning and fire only.
Fire and Allied
Adding to the cover mentioned above, this type of policy covers several additional hazards. This could vary, each policy is designed for your specific needs.