Fire insurance, also called home insurance, protects you and your property against a whole host of things. There are three different types of cover: Basic cover, additional cover provided by your insurer if you have a claim, and optional or optional cover that you are free to take out as additional cover. Each fire insurance compensates material damage caused by fire, explosion, implosion, lightning, attacks and labor disputes, collision by an animal, collision by any means of transport, the fall of a tree on the building, storm, pressure of snow or ice on a roof, hail and natural disasters Indirect losses are the miscellaneous losses, costs and damages you suffer as a result of a fire, t damage caused by water, a storm, etc. Suffice it to think of postage, car costs, wasted time, administrative hassle, etc. This is why some home insurance plans provide for an automatic increase in compensation (for example by 10%) to cover these costs. If the consequential loss cover is not automatically included in the home insurance, you can generally take it out as optional cover.