Standard coverage
- Fire, lightning (including electrical injury damage to electrical appliance and electrical equipment arising from short circuiting from lightning), explosion, Impacts by vehicle or animal vehicle collisions
- Water damage (excluding flood), aircraft and/or falling object therefrom
- Natural perils (flood, windstorm, earthquake or volcanic eruption or tidal wave or tsunami, hail)
Additional Coverage
- Flood, windstorm, earthquake or volcanic eruption or tidal wave or tsunami, hail
- Electrical injury
- Removal of debris, fire fighting expense
Insured property
- Building (excluding foundation), wall, gate, fence and building improvement
- Property contained in the building such as furniture, fixtures, fittings, tools, equipment, electrical equipment, electrical appliance for domestic use, musical instrument, audio equipment, kitchenware clothing and other property (not specified under exclusion) applicable for domestic use by the insured
