Fidelity’s policy covers property damage from fire accidents and various optional risks.

The coverage is categorized into five sections, allowing you to select the appropriate protections for your specific circumstances:

• Allied Perils (such as lightning, explosions, vehicle impacts)
• Natural Disasters (such as earthquakes, storms, floods)
• Liabilities Associated with your Legal Status (e.g., as an owner, lessee, neighbor)
• Additional Coverage (such as business interruptions, water damage, vandalism)

Burglary coverage can be added to the Fire & Allied Perils policy to protect against theft involving forced entry.