One can never be certain as what future holds. Sometimes one cannot avoid mishaps despite taking proper precautionary measures due to many reasons. Sometimes one may have to loose huge investment because of various risks including natural calamities.
Shikhar Fire and Allied Perils Insurance covers loss due to Fire with extension of Earthquake, Riot, Strike Damage, Malicious Damage, Terrorism, Storm, Flood, Typhoon, Aircraft and Aerial damage etc.