The scope of insurance coverage:

This type of insurance includes material damages to the insured property at the result of smoke, steam and heat connected with fire, lightning, explosion or fire and explosion to a certain extent of sum insured.

The scope of sum insured:
In immovable properties
- includes buildings, economic buildings, garage, reservoir, fuel storage, any constant installations in or on the buildings, elevators and escalators, lightning divertor, TV antenna against additional insurance premium.
- includes bases, garden and yard fences, buttresses (perpendicular bearing fences in order to prevent landslide and landslip), pavements, little squares, porches, stairs, springs, monuments outside of the buildings, reservoirs, pond and other buildings like these, if only it is written on the insurance policy.

In movable properties:
If the insured subject-matter are grouped according to their qualities and only one type of sum insured is determined for all the insured things including in this type or one of these groups, all things included in this amount, whether these are written on the insurance policy or not, are includes in the scope of insurance coverage, although they are replaced or bought newly.

If there is not additional agreement, the properties belonging to the insured person, members of his/her family or the persons living with him or the servants are included in the scope of insurance coverage, if they are not exceeded the limit rate accepted.

The damages for the following risks, according to the additional agreement and against additional insurance premium may be included in the scope of insurance coverage;
- Strike, lock-out (prevention measures), riots and civil commotions;
- Terrorism;
- Earthquake and volcanic eruption.

The damages for the following risks, which are not the results of fire and explosion, are not included in the scope of insurance coverage. But these risks may be included in the scope of insurance coverage according to the additional agreement and against the additional insurance premium:
- Snow weight
- Flood and water damage;
- Landslide;
- Storm;
- Internal water damage;
- Smoke;
- Motor, air and marine vehicles impact.

The following properties and property interests, losses may be included in the scope of insurance coverage by indicating the sum insured separately on the insurance policy and against the additional insurance premium:
- The valuable indicator boards, works of art, books, engravings, writings, monuments, ornamental things, collections, carpets and the others like these;
- Models, moulds, plans and drafts, invention patents, documents, account documents and the others like these;
- Cash, shares, loans, securities, all types of gold, silver and the jewelry made from them, other valuable adornments, precious stones, pearls and others like these;
- Sea, water, automobile transport facilities and their loads (excepting the state of movement);
- Deposit and pledged properties;
- To eliminate the ruins and destructions;
- Loss of income and deprivation of profit
- Material liability for fire explosion.

The following cases are not included in the insurance coverage:

- The war, any military operations, conquest, attacks of the foreign enemies, battle (not depending on whether the war is declared or not), civil war and revolt and the damages appearing at the result of legislative enactment and military measures taken for the purpose of preventing and suppressing them;

- Radiation and radioactive pollutions appeared at the result of nuclear decay, burning of nuclear energy and the legislative enactment and military measures (the word "burning" in this item covers any nuclear decay that puts itself in action);

- The damages appeared at the result of using the insured properties by the authorized organs of the State;

- The damages appeared at the result of defects and bad quality of the properties before the fire takes place;

- The damages appeared at the result of using the insured properties or being caught fire and heat for the good purpose, falling or being thrown into the fire, burning of the clothes or bed-sheets and other things like this without flame, touching of heating, lighting and ironing appliances, lamp, candle, cigarette and others like these;

- The damages appeared at the result of short circuit, drop and rise of energy, heating and inductive current, when the engine, electric and electronic appliances, instruments, settings are connected to meter with electric wire before the fire takes place;
- Any damages to the insured instruments and engines at the result of sinking in, falling an in another form being deformated, getting old of the protectors, centrifugal forces and technical processes, at the result of a little pressure.