The fire and special perils insurance covers the loss or damage to a building and its contents caused by fire and related hazards such as lightning, explosions, earthquake, impact, flood, storm, water leakage from machinery and pipes, riot, strike, and malicious damage. Individuals and corporations can use this coverage to protect their assets, which include the building, furniture, fixtures and fittings, electronics, and other things. It is an annual policy that lasts twelve months and is renewable on an annual basis. However, all insurance arrangements are subject to the terms and restrictions that apply.
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