Hello Aspirant,

A fire insurance policy can cover

• Any damage caused due to fire,besides this any damage caused due to natural heating, own fermentation or unconstrained burning is not included
• Damage due to fire explosion
• Damage due to lightning
• Damage that leads to fire like aircraft, airborne devices being dropped
• Damage due to strike, riot or other terrorist activity
• Natural calamities like storm, tycoon, rockslide, landslides
• Damage due to bursting or overflowing water tank
• Damage due to bush fire but will not cover forest fire damages

Hope this helps