The Insurance applies only to those huts used for dwellings and constructed in rural areas with financial assistance from banking/cooperative/Government institutions. It can also apply to a selected area or cluster of huts. The scope of cover is against loss or damage due to Fire, lightning, explosion for boiler or gas used for domestics purposes only, earthquake, flood, inundation, storm, tempest, cyclone and other allied perils, riot and strike damage, malicious damage, aircraft and impact damage.