Says Gurdeep Singh Batra, head-commercial underwriting, risk engineering & global accounts, Bajaj General Insurance: “A home insurance plan automatically includes fire insurance, along with allied perils such as storms, floods, typhoons, lightning, earthquakes, riots, strikes, malicious damage, impact damage, and theft, all linked to the insured events. So, when someone buys a home insurance policy, fire coverage is already built in and need not be bought separately.”