Insurance protects from the unforeseen whether it is life or property, the unexpected always needs cover. Insurance policies offer the required financial assistance when one suffers a loss. Fire insurance policy is an important safeguard against fire and allied perils. Damage to property due to natural disasters is covered under the fire policy. However, it is necessary to know the policy contents, and reading the fine print of the policy is the best method to come to an understanding of the coverage offered. We often see the exclusions under the policy written in fine print and ignore it. Understanding the exclusions under the policy gives us a wider comprehension of the policy coverage. A quick look into the details of these exclusions will highlight the modus operandi of the cover offered. Policies may be then customized to accommodate the specific requirements of the policyholder. Fire insurance policy does not cover the following risks....