The crops that can be covered are(i) Horticultural Crops such as Grape, Citrus (Orange, Lime, Sweet Lime), Chickoo, Pomegranate, Banana (ii) Plantation Crops such as Rubber, Eucalyptus, Poplar, Teak Wood and (iii) Sugarcane. The subject matter of Insurance would be Fruits in respect of Horticultural crops, Trees in respect of Plantation crops and Sheets in case of Sugarcane crops. The perils covered are Fire including forest fire and bush fire, lightning, storm, hailstorm, cyclone, typhoon, tempest, hurricane, tornado whilst in direct and immediate operation over the insured area, flood and inundation, riot and strike, terrorism. The policy shall indemnify the insured to the extent of loss or damage to the insured tree/fruits. Period of insurance shall be drop duration or twelve months whichever is shorter. Period of insurance in respect of sugarcane crop can be extended by such period beyond 12 months (up to a maximum of 18 months) as may be necessitated by the variety (e.g., Adsali) grown. In respect of Rubber, Eucalyptus, Poplar and Teakwood where plants are first required to be raised in nurseries and then fields, the period of insurance shall commence after expiry of twelve months from transplanting (nurseries are not covered). Sum insured to be based on cost of cultivation i.e., input cost or cost of raising/development of insured tree(s) depending on the crop which is insured. Policy is subject to franchise as well as excess. Loss and/or damage due to theft during or after occurrence of any peril not covered. War, nuclear perils not covered. Loss or damage due to insets, mites, pests, excessive/deficient use of any nutrient, negligence/omission, drought conditions, willful negligence, human action, birds, animals and locust, fog and/or high humidity, nonbearing of fruits by a fruit bearing tree not being caused by the occurrence of insured peril, rain water where the rain occur independently of the immediate and direct operation of the insured peril in the area in which the horticulture crop insured stands, improper selection of site and plant spacing, frost or cold waves, delay in onset of monsoon, excessive heat or heat waves, pollution, improper maintenance, waterlogging, burning of property by the order of a public authority or arising out of any subterranean fire not covered.

Provides special protection, except for the perils of war, nuclear reaction, and fire. This coverage is for full replacement cost and covers the expense of repairing frames, installing temporary plates, or boarding up openings.