This class of reinsurance includes home and industrial properties under fire and extraneous peril covers. This provides cover for losses and destruction by Fire, lightning, explosion, impact from moving vehicles, aircraft and articles dropped from the air, bursting and overflowing water pipes and water damage, riot, strike, civil commotion and malicious damage. The cover extends to include acts of God like flood, Windstorm, and Earthquakes.

This class of cover could also include accidental damage resulting from any unforeseen event leading to damage, destruction and loss of the property insured.