Fire Insurance cover all properties on land (excluding land cost), moveable or immoveable, Stock, Building, Furniture & Fittings, Plant & Machinery and Items covered specifically on declaration etc. The perils include Fire, Lightning, Explosion / Implosion, Aircraft damage, Riot, Strike, Natural Disasters, Impact by vehicles/ animals, Bursting/ Overflowing of Water tanks, Apparatus etc, Missile testing, Bush fire and Pollution or contamination resulting from listed perils. Such plans are usually offered on an annual basis. The premium package is based on the peril inclusions decided at the time of policy inception.