Combined Fire and Theft insurance provides protection against both fire-related damages and theft incidents. Here are the key features:

Coverage
Fire Damage: Covers losses due to fire, including damage to buildings, equipment, and inventory. 
Theft: Protects against losses from theft or burglary, including damage caused during a break-in.

Benefits
Comprehensive Protection: Offers a broader range of coverage compared to separate fire and theft policies.
Cost-Effective: Often more economical than purchasing individual policies for fire and theft.
Peace of Mind: Ensures that your property and assets are protected against two major risks.

Typical Inclusions
Furniture, Fixtures, and Fittings: Coverage for items within the insured premises.
Equipment and Electronics: Protection for business equipment and electronic devices.

This type of insurance is particularly useful for businesses and property owners who want to safeguard their assets against both fire and theft risks.