Does home fire cover include flood?
The most common question of the rainy season. The short answer is not always — it depends on whether the extension was bought.
A standard fire policy covers fire, lightning and gas explosion. Flood is an extension that has to be bought separately.
The thing worth checking before the rains is the flood sub-limit, which is usually far lower than the main sum insured.
If you are not sure what your policy covers, send us the schedule and we will read it for you.