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So, in insurance term, the loss caused by the 'fire' must satisfy two conditions to be covered under the fire insurance- first, it must be actual fire so no fire-related damage by any other form will be covered. Second, the fire should be accidental. That means no intentional fire damage will be covered.

Standard fire policy refers to the policy that started in New York that covered property damages brought about by fire. It was adopted by many states. It soon became mostly obsolete after the creation of property insurance policies, including the homeowner's policy.

Fire insurance is a contract of insurance against the loss/damage by accidental fire or other occurrences customarily included under a fire policy.

Standard Fire insurance covers a policyholder against loss by fire and damage from several other sources. These include fires brought about by electricity, such as faulty wiring and gas explosions, as well as those caused by lightning and natural disasters.

Standard fire policy means a policy or contract of insurance that provides coverage against all direct loss by fire or lightning, and for costs incurred in removing from the premises property endangered by the perils insured against, as described in the policy declarations.

Definition: Proposal form is the most important and basic document required for life insurance contract between the insured and insurance company. It includes the insured's fundamental information like address, age, name, education, occupation etc.

The standard fire policy specifically excludes any loss occurring when the building is vacant or unoccupied for 60 days or more.

The Standard Fire Policy had four main parts. They were: -Declarations, Coverages, Conditions, and Exclusions.