Our standard fire policy covers loss and/or damage proximately brought about by fire and lightning but not necessarily limited by the above-mentioned. Loss and/or damage caused by water and other fire extinguishing agents is likewise covered including smoke, scorching, fire fighting efforts of fire brigades or even falling walls. The policy is flexible, in a way, to extend protection against earthquake fire, earthquake shock, typhoon, flood, falling aircraft, vehicle impact, riot, smoke and explosion.