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The basic cover is against destruction or damage to buildings and contents by accidental and fortuitous fire. However the standard policy has exclusions i.e.

    1. special perils,
    2. earthquake,
    3. riot and strike,
    4. malicious damage,
    5. bush fire and
    6. explosion

which may be purchased separately as extensions to the policy. Every property owner or tenant should have a fire policy covering the full value of buildings and contents.

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