The plan offers protection in the event of fire, lightning, explosion, malicious damage, vandalism, burglary, robbery, theft (evidence of forced entry not required), impact by road vehicles, impact by an aircraft or other aerial objects, riots, civil commotion, earthquakes, volcanic eruption, hurricanes, windstorm, floods and bursting of water tanks or pipes (excludes loss or damage to water tanks or pipes, loss or damage due to water discharge or leaking from any installation of automatic sprinklers).