Standard Fire Policy

The basic fire policies are coverage the damage or loss occasioned by:
1. FIRE, but excluding damage caused by :
a. Explosion resulting from fire
b. Earthquake and subterranean fire
c. Its own spontaneous fermentation or heating, also its undergoing any heating process or any process involving the application of heat
2. LIGHTING
3. EXPLOSION of boilers and gas which are used for domestic purposes only, excluding damage cause by subterranean fire or earthquake

Fire related losses secured by standard fire policy including:
1. Property damage caused by water or fire style that is used to extinguish fires
2. Damage done to the fire department team in their efforts to extinguish the fire
3. Damage caused by the collapse of the wall or roof of the building where the fire occurred
4. Loss or damage to property which has been moved from the scene of the fire, caused by rain, theft, or damage during removal of the records of the insured person to take action as soon as possible and reasonable for protection from further damage to the property transferred

Standard Exclusion
1. War risk, because the insurer can not estimate the magnitude of losses due to war
2. Riot and civil commotion, because the risk variable for this case changing or uncertain at different times and places
3. Radioactive contamination and explosive nuclear, because potential losses are usually exceeds the capacity of insurer
4. Civil commotion, malicious act and terrorism

Special Perils for extension cover (additional premium)
1. Because of chemical. For example explosion, spontaneous combustion, self heating witch caused by chemicals
2. Because of Social, for riot, civil commotion, strikes, malicious person
3. Because of Natural disease, like storm, flood, earthquake, subterranean fire, landslip, etc.
4. Miscellaneous, for example sprinkler leakage, falling aircraft, or pieces of them