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The Act defines it as one insurance contract by which the insurer undertakes within the limits established by law and the contract to compensate the damage caused by fire in the insured object. It is considered a fire, the combustion flame and the abrasive, able to spread, an object or objects that were not intended to be burned at the time and place where it occurs. Finance Leader The insured should be described in the policy, the law in art. 46 describes the property to be included in the notion of furniture: things in common or ordinary use of the insured, his family, dependents and others who live with, excluding, unless otherwise agreed, the insurance cover the damage caused the fire in public or private securities, trade purposes, banknotes, precious stones and metals, art objects and other valuables kept in the insured object while proving its existence and destruction and damage the casualty. If one includes the damage caused by the action by the authority or the insured to prevent or extinguish the fire cut the transport costs of rescue or the insured and his disappearance, unless the insurer proves that were stolen. Not covered the so-called indirect damage such as a change in alignment of the buildings affected, lack of use or lease, the termination of the contract, the suspension or cessation of work, lack of profit or any other injury analogue. The obligation to indemnify is imposed when the fire was caused by fortuitous event, from strangers and ill own negligence or people who are responding civilly, but not those caused by malice or gross negligence of the insured, and that the destruction or deterioration of the objects upon which rests the insured interest occurs in the place described in the policy, unless your shipment has previously been accepted by the insurer. This type of insurance can also cover, through a loading, the risk and the use of locative neighbors. So the risk locative refers to the responsibility of the insured, a tenant of the building damaged, compared to the same owner, and the responsibility of the owner against the tenants, or even against third parties. The risk of neighbors is called Forbes the action on the civil liability CONSEA