An all-risk property insurance policy means that the policy will cover everything, expect the perils which are clearly listed under the exclusion head. It means, if something is not specifically excluded from the all-risk property insurance policy, it would be covered by the insurer.

Main Covers

Some of the coverages which are available under all-risk property insurance policy are :

  • Burglary
  • Fire
  • Machinery breakdown
  • Explosion
  • Business
  • Interruption due to loss of fire
  • Business interruption due to the breakdown of machinery 

Main Exclusions

Though the all-risk property insurance offers comprehensive cover; there are certain events which are not covered under the policy, like –

  • Deprecation or wear & tear
  • Mechanical or electrical breakdown
  • War and nuclear perils
  • Loss or damages which happen during dyeing, cleaning, repairing or restoring
  • Scratching, denting, or brittle substances 

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