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Fire insurance: cover the risk of loss or damage caused by fire and lightning only.. The insurance policy against fire hazards associated with: In addition to the coverage of the previous fire document above, this type of documentation also covers a number of additional risks that may vary from one insurance policy to another, but the risk is mostly include the following: Explosion Storm, storms, flood Earthquakes, volcanic eruptions Dropping aircraft or air or other materials personal computers, or a private third party, or vehicles or horses or cattle Explosion or flood water tanks or pipes or devices Loss of profits / business interruption Loss of rent Legal liability to a third party, including liability towards the landlords of tenants The responsibility of tenants to landlords Strikes, riots and civil unrest Intentional torts Theft accompanied by forcibly broke into or out of the insured building Accidental damage to fixed glass panels buildings The expenses of removing debris after a loss or damage to property insured Firefighting expenses Engineering and legal consulting fees, and those responsible for the survey and the survey and architects
Fire insurance will cover any loss resulted from a fire, that will include the actual fire damage, the damage resulted from the fire extinguishing system, falling objects on third partied resulted in medical expenses, and the list goes on and on.
All risk insurance is a broader term sometimes referred to as (special perils insurance), the wording of the policy will not include include covered risks, but exclude certain risks not to be covered.
Fire insurance is a main type of insurance classes and has a separate insurance policy that insure and covers fire perils plus allied perils .
While all risk insurance are various types of insurance classes such as marine all risks and contractors all risks which covering specific perils related to the subject matter of insurance and /or interest insured , and the fire peril is embedded in the cover .
Also I may add , that the all risks insurance policies mentioned above are covering all risks and excludes some others depending on the insurance policy conditions .
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