The standard fire policy is intended purely to cover or protect insured property such as building, contents ,e.t.c.

Also against the risk of fire, lightening and domestic explosion.

The stardard fire policy is also extended on request to include special perils such as flood, tempests torm, tornado, hurricane, explosion, impact, riot and strike, malicious damage bush fire burst pipe, subsidence, earthquake e.t.c. by payment of an additional premium.