A Fire Insurance Policy provides cover against loss of or damage to the property insured occassioned by Fire, explosion and/or lightning. The property insured can be your building, furniture, fixture, fittings, personal effects, stock in trade, trade utensils, tools and equipment. Customers can at their needs to insure against extra perils such as Earthquake, Riot & Strike, Typhoon & Windstorm, Flooding, Landslips and Subsidence Covers etc. Premium rating depends on the property insured, insured's location, and occupation, perils required, class of construction, and surrounding where the property insured is contained.