Fire Insurance provides indemnity in respect of accidental damage to property caused by fire and lightning. Cover may be effected on both buildings and their contents, and policies may be issued in respect of private, commercial or industrial premises. The standard Fire policy covers damage by fire, lightning, falling masonry during a fire, and damage caused in extinguishing a fire. Fire policy may be extended on request to include various extraneous perils such as Storm & Tempest, Flood, Aircraft Damage, Earthquake, Burst Pipes, Impact Damage, Strike, Riots & Civil Commotion, Malicious Damage, and Standard Explosion depending on the nature of risk involved.