{"id":1269,"date":"2017-06-28T13:19:23","date_gmt":"2017-06-28T13:19:23","guid":{"rendered":"https:\/\/pamstaging.securenow.in\/insuropedia\/?p=1269"},"modified":"2026-07-08T10:00:26","modified_gmt":"2026-07-08T10:00:26","slug":"different-principles-applicable-different-types-fire-insurance-policies","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/different-principles-applicable-different-types-fire-insurance-policies\/","title":{"rendered":"Different Principles Applicable to Different Types of Fire Insurance Policies"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>A fire insurance policy compensates the policyholder for the loss or damage that arises due to fire. It gives financial security to the insured by shielding him\/her from losses or damages caused by fire. There are some principles or fundamental doctrines of Fire insurance guiding different types of fire policies under its purview.<\/p>\n<figure id=\"attachment_1272\" aria-describedby=\"caption-attachment-1272\" style=\"width: 647px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1272 size-full\" title=\"Types of Fire Insurance Policies\" src=\"https:\/\/securenow.in\/insuropedia\/wp-content\/uploads\/2017\/06\/fire-insurance.jpg\" alt=\"Types of Fire Insurance Policies\" width=\"647\" height=\"294\" \/><figcaption id=\"caption-attachment-1272\" class=\"wp-caption-text\">Types of Fire Insurance Policies<\/figcaption><\/figure>\n<h2 data-path-to-node=\"7\">Key Takeaways<\/h2>\n<ul data-path-to-node=\"8\">\n<li>\n<p data-path-to-node=\"8,0,0\"><b data-path-to-node=\"8,0,0\" data-index-in-node=\"0\">The Dual Insurable Interest Rule:<\/b> Unlike marine insurance, a valid fire policy demands that insurable interest must be present both at the time of buying the policy and filing a claim.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,1,0\"><b data-path-to-node=\"8,1,0\" data-index-in-node=\"0\">Strict Avoidance of Profit Generation:<\/b> The principle of indemnity ensures that property insurance functions solely as a recovery tool; a policyholder will not get anything more than the actual value of their losses.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,2,0\"><b data-path-to-node=\"8,2,0\" data-index-in-node=\"0\">Causa Proxima Overrides Blanket Exemptions:<\/b> If a contract features an absolute exclusion against explosion damages, the claim remains fully payable if a covered fire is diagnosed as the direct proximate cause of that explosion.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,3,0\"><b data-path-to-node=\"8,3,0\" data-index-in-node=\"0\">The Post Payout Salvage Transfer:<\/b> Under subrogation rules, once an underwriting office fully compensates an owner for destroyed raw materials, all rights over the remaining salvage pass directly to the insurance company.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,4,0\"><b data-path-to-node=\"8,4,0\" data-index-in-node=\"0\">The Active Burden of Loss Minimization:<\/b> Possessing an asset policy does not permit operational carelessness; a business owner must take all necessary actions to prevent a fire and actively limit its spread.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,5,0\"><b data-path-to-node=\"8,5,0\" data-index-in-node=\"0\">Utmost Good Faith Mutuality:<\/b> The obligation of trust is reciprocal; applicants must declare every single building vulnerability, while the insurer must present all policy conditions clearly without hidden clauses.<\/p>\n<\/li>\n<\/ul>\n<h2><strong>Various principles govern a fire insurance policy; let\u2019s have a look at them &#8211;<\/strong><\/h2>\n<h3><strong>1. Principle of Insurable Interest<\/strong>\u00a0 &#8211;<\/h3>\n<p>It is necessary for the policyholder to have an insurable interest in the subject matter for which he\/she has purchased the <a href=\"https:\/\/securenow.in\/property-insurance\"><strong>fire insurance policy<\/strong><\/a>. It means the insured may suffer loss at the time of damage to the item or gain from its protection. However, insurable interest should be present both at the time of buying the policy and filing a claim.<\/p>\n<p><strong>Case<\/strong> &#8211; Mrs. Rajni Saxena runs a garment store in Pune. Last year, the electronics shop near to her store caught fire, and damaged goods worth Rs 2 lakhs were kept in the shop. Sadly, the owner of the electronics shop did not have a fire insurance policy.<\/p>\n<p><strong>Read More:<\/strong> <a href=\"https:\/\/securenow.in\/insuropedia\/who-should-buy-fire-insurance-policy\/\"><strong>Who Should Buy Fire Insurance Policy?<\/strong><\/a><\/p>\n<p>Taking a lesson from the incident, Rajni also bought a fire insurance policy to protect her goods from losses or damages caused by fire. As Rajni had an insurable interest in goods kept in her store and the losses or damages caused to them would affect her financially, the insurer covered her goods. However, in case she sold her store or closed the business, she should inform the insurance company and cancel the policy.<\/p>\n<h3><strong>2. Principle of Utmost Good Faith<\/strong> &#8211;<\/h3>\n<p>The contract of insurance relies on the principle of trust. It means, at the time of buying the policy, the policyholder should disclose all the material facts and not lie. On the other hand, the insurance company should give correct information about the policy and there should be no hidden clause.<\/p>\n<p><strong>Case<\/strong> &#8211; Mr. Vikas Sharma called up the insurance company to <a href=\"https:\/\/securenow.in\/property-insurance\/fire-insurance\">buy fire insurance<\/a> for his house. Now, it is the duty of Vikas to give correct details about the items which he wants to cover in the policy without hiding any material facts. Similarly, the insurance company should also state all the policy conditions clearly without hiding any clause.<\/p>\n<h3><strong>3. Principle of Indemnity<\/strong> &#8211;<\/h3>\n<p>It says that the purpose of insurance should be to compensate the policyholder for loss or damage and the compensation should be such that it places him\/her in nearly the same position after the loss as he\/she was before the loss. It means the policyholder will not get anything more than the losses.<\/p>\n<p>Read More: <a href=\"https:\/\/securenow.in\/insuropedia\/how-is-indemnity-estimated-fire-insurance\/\"><strong>How is Indemnity Estimated in Fire Insurance?<\/strong><\/a><\/p>\n<p><strong>Case<\/strong> &#8211; J.W Construction has a fire insurance policy for its factory contents. Last year, a fire erupted at the factory due to a short circuit and damaged content worth Rs 2 lakh. J.W Construction approached its fire insurance company, which settled up to Rs 2 lakh and not anything beyond that.<\/p>\n<h3><strong>4. Principle of Proximate<\/strong> &#8211;<\/h3>\n<p>A fire insurance policy offers coverage against loss or destruction due to fire; however, some perils are expressly not covered. The insurer\u2019s liability arises even if the loss is due to an uninsured peril followed by an insured peril. Note: the proximate cause clause is only the nearest clause and not the remote clause.<\/p>\n<p><strong>Case<\/strong> &#8211; A fire at a nearby construction site caused a slight explosion at T.J Paper Mills, which damaged its plant &amp; machinery. Luckily, T.J Paper Mills had a fire insurance policy. The insurer found that the proximate cause of the loss\/damage was fire and therefore, covered the loss or damages caused to machinery. In this case, the fire insurance specifically mentioned that loss\/damage due to the explosion of any kind will not be covered, however, as the proximate cause was fire, the insurer covered it.<\/p>\n<h3><strong>5. Principle of Subrogation<\/strong> &#8211;<\/h3>\n<p>It says that the policyholder can only realize the actual value of the loss or damage and in case the damaged product has any value left or there is any right against a third party regarding that, it should also be passed on to the insurance company.<\/p>\n<p><strong>Case<\/strong> &#8211; A fire erupted at the workshop of Jeevan Sharma and engulfed timber worth Rs 5 lakh which was kept there for building furniture. Jeevan Sharma approached his fire insurance company and settled his claim, except deductible. However, any right over the burnt timber should now be transferred to the insurance company which can now convert it into coal and sells it to earn profits.<\/p>\n<p>Read More: <a href=\"https:\/\/securenow.in\/insuropedia\/which-perils-not-covered-fire-insurance-policies\/\"><strong>Which Perils Are Not Covered By Fire Insurance Policies?<\/strong><\/a><\/p>\n<h3><strong>6. Principle of loss minimization<\/strong> &#8211;<\/h3>\n<p>This principle says that the policyholder must take all the necessary steps to cut the loss of insured property. It means, the policyholder should not act carelessly just because he\/she has a fire insurance policy.<\/p>\n<p>Understanding the principles or fundamental doctrines of Fire insurance that guide fire insurance policies is crucial for effective coverage and risk management. Stay informed and protected with these fundamental doctrines of fire insurance!<\/p>\n<h3>Summary Table: Core Legal Doctrines of Fire Insurance Underwriting<\/h3>\n<table data-path-to-node=\"3\">\n<thead>\n<tr>\n<td><strong>Foundational Legal Doctrine<\/strong><\/td>\n<td><strong>Statutory Underwriting Triggers<\/strong><\/td>\n<td><strong>Core Operational Mandate for Policyholders<\/strong><\/td>\n<td><strong>Practical Financial &amp; Claims Impact<\/strong><\/td>\n<td><strong>Case Study Reference Context<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"3,1,0,0\"><b data-path-to-node=\"3,1,0,0\" data-index-in-node=\"0\">Insurable Interest<\/b><\/span><\/td>\n<td>Must exist at both the time of policy procurement and at the exact moment of claim filing.<\/td>\n<td><span data-path-to-node=\"3,1,2,0\">The insured must stand to face direct financial loss from damage or gain from the item&#8217;s protection.<\/span><\/td>\n<td><span data-path-to-node=\"3,1,3,0\">Validates the contract; coverage terminates automatically if the underlying business asset is sold or closed.<\/span><\/td>\n<td><span data-path-to-node=\"3,1,4,0\">A garment store owner in Pune holds direct equity in her active retail stocks.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,2,0,0\"><b data-path-to-node=\"3,2,0,0\" data-index-in-node=\"0\">Utmost Good Faith<\/b> <i data-path-to-node=\"3,2,0,0\" data-index-in-node=\"18\">(Uberrimae Fidei)<\/i><\/span><\/td>\n<td><span data-path-to-node=\"3,2,1,0\">Demands absolute transparency during the initial application, hazard evaluation, and pricing stage.<\/span><\/td>\n<td>Disclose all material facts honestly without hiding physical vulnerabilities or building issues.<\/td>\n<td><span data-path-to-node=\"3,2,3,0\">Any deliberate omission or misrepresentation voids the contract and cancels future liability.<\/span><\/td>\n<td><span data-path-to-node=\"3,2,4,0\">A property owner outlines building items clearly to the underwriter without concealing facts.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,3,0,0\"><b data-path-to-node=\"3,3,0,0\" data-index-in-node=\"0\">Principle of Indemnity<\/b><\/span><\/td>\n<td>Restores the insured to nearly the same financial position they occupied immediately prior to the mishap.<\/td>\n<td><span data-path-to-node=\"3,3,2,0\">Payouts are designed strictly to compensate for actual losses, preventing any element of financial profit.<\/span><\/td>\n<td><span data-path-to-node=\"3,3,3,0\">Limits the finalized settlement cap precisely to the verified asset value up to the sum insured.<\/span><\/td>\n<td><span data-path-to-node=\"3,3,4,0\">A short-circuit factory fire destroyed contents valued at \u20b9200,000; the insurer paid exactly that amount.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,4,0,0\"><b data-path-to-node=\"3,4,0,0\" data-index-in-node=\"0\">Proximate Cause<\/b> <i data-path-to-node=\"3,4,0,0\" data-index-in-node=\"16\">(Causa Proxima)<\/i><\/span><\/td>\n<td>Looks at the nearest dominant cause in an event sequence, ignoring remote or disconnected factors.<\/td>\n<td><span data-path-to-node=\"3,4,2,0\">Demonstrate that an underwritten peril actively initiated the consecutive damage chain.<\/span><\/td>\n<td><span data-path-to-node=\"3,4,3,0\">Covers losses if an insured peril directly triggers an excluded event <i data-path-to-node=\"3,4,3,0\" data-index-in-node=\"70\">(e.g., a fire causing an explosion)<\/i>.<\/span><\/td>\n<td><span data-path-to-node=\"3,4,4,0\">A neighboring blaze triggered an explosion at a paper mill, but the fire cause won&#8217;t deny the claim.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,5,0,0\"><b data-path-to-node=\"3,5,0,0\" data-index-in-node=\"0\">Principle of Subrogation<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,5,1,0\">Transfers third-party legal recovery rights and residual values to the carrier post-payout.<\/span><\/td>\n<td>Passes all legal recourse rights and physical salvage values directly over to the underwriting office.<\/td>\n<td><span data-path-to-node=\"3,5,3,0\">Prevents duplicate collection of funds from both the insurance firm and a liable third party.<\/span><\/td>\n<td><span data-path-to-node=\"3,5,4,0\">Burnt structural timber from a workshop fire was transferred to the carrier to be sold as salvage coal.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,6,0,0\"><b data-path-to-node=\"3,6,0,0\" data-index-in-node=\"0\">Loss Minimization<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,6,1,0\">Establishes an active duty of care, preventing policyholders from acting carelessly during crises.<\/span><\/td>\n<td>Take all necessary immediate steps to extinguish flames, secure assets, and curtail damages.<\/td>\n<td><span data-path-to-node=\"3,6,3,0\">Rejecting or scaling down a claim is permitted if an adjuster proves active post-disaster neglect.<\/span><\/td>\n<td><span data-path-to-node=\"3,6,4,0\">A paper factory owner must deploy extinguishers and call the fire brigade instead of letting stock burn.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>Case: Fire insurance<\/strong><\/h2>\n<p>Last year, Mr. Jayant Dahiya, the owner of J.D Paper Mills, bought a fire insurance policy to insure his stocks. Though Jayant made the right move by buying an insurance policy, it doesn\u2019t mean he can act carelessly and let his goods be burnt by fire. In fact, he should take all necessary steps, like installing a fire alarm, having fire extinguishers, and calling the fire brigade immediately at the time of the accident, etc., to curtail the loss.<\/p>\n<h3 data-path-to-node=\"10\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">1. What are the fundamental principles that govern a fire insurance policy?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)<\/strong> A standard fire insurance contract is strictly regulated by six fundamental legal doctrines: the Principle of Insurable Interest, the Principle of Utmost Good Faith, the Principle of Indemnity, the Principle of Proximate Cause, the Principle of Subrogation, and the Principle of Loss Minimization. Together, these principles define how claims are validated and settled.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">2. When must a business owner prove insurable interest under a fire policy?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> Under fire insurance underwriting guidelines, a policyholder faces a strict dual timeline requirement. They must have an insurable interest in the subject matter both at the time of buying the policy and at the exact time of filing a claim. If a business closes down or sells its insured garment store to a third party before a fire breakout, it cannot claim compensation.<\/p>\n<h4 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">3. What happens if a firm violates the principle of utmost good faith during procurement?<\/b><\/h4>\n<p data-path-to-node=\"13\"><strong>A)<\/strong> If an enterprise provides deceptive details or conceals material facts regarding its building&#8217;s electrical health or fire risks, it breaks the principle of utmost good faith. This contractual violation gives the general insurance provider the legal authority to render the entire policy null and void, allowing them to cancel all future liability and deny subsequent damage claims.<\/p>\n<h4 data-path-to-node=\"14\"><b data-path-to-node=\"14\" data-index-in-node=\"0\">4. How does the principle of indemnity restrict a property insurance payout?<\/b><\/h4>\n<p data-path-to-node=\"14\"><strong>A)<\/strong> The principle of indemnity states that the true purpose of insurance is to compensate the policyholder for actual physical losses, ensuring the settlement places them in nearly the same financial position after the loss as before it. Consequently, the insured can never collect a payout that exceeds their real financial loss, preventing any legal opportunity to profit from a disaster.<\/p>\n<h4 data-path-to-node=\"15\"><b data-path-to-node=\"15\" data-index-in-node=\"0\">5. If a fire policy excludes explosions, why would a fire-induced blast be covered?<\/b><\/h4>\n<p data-path-to-node=\"15\"><strong>A)<\/strong> This scenario is managed by the principle of proximate cause, which tracks the dominant, initiating factor of an accident rather than remote subsequent events. If an active fire breaks out and directly causes a chemical explosion, the proximate cause of the entire destruction sequence is ruled as fire. Because the fire initiated the chain without external interference, the insurer must cover the claim up to the sum insured.<\/p>\n<h4 data-path-to-node=\"16\"><b data-path-to-node=\"16\" data-index-in-node=\"0\">6. What is the duty of loss minimization for a business owner during a fire outbreak?<\/b><\/h4>\n<p data-path-to-node=\"16\"><strong>A)<\/strong> The principle of loss minimization establishes that a policyholder must take all necessary steps to cut down and control the loss of their insured property during an emergency. A business owner cannot stand by passively and allow their stock to burn simply because they hold a fire policy; they must actively alert the fire brigade, deploy on-site extinguishers, and isolate undamaged equipment.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the fundamental principles that govern a fire insurance policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A standard fire insurance contract is strictly regulated by six fundamental legal doctrines: the Principle of Insurable Interest, the Principle of Utmost Good Faith, the Principle of Indemnity, the Principle of Proximate Cause, the Principle of Subrogation, and the Principle of Loss Minimization. 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If a business closes down or sells its insured garment store to a third party before a fire breakout, it cannot claim compensation.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if a firm violates the principle of utmost good faith during procurement?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"If an enterprise provides deceptive details or conceals material facts regarding its building's electrical health or fire risks, it breaks the principle of utmost good faith. This contractual violation gives the general insurance provider the legal authority to render the entire policy null and void, allowing them to cancel all future liability and deny subsequent damage claims.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How does the principle of indemnity restrict a property insurance payout?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The principle of indemnity states that the true purpose of insurance is to compensate the policyholder for actual physical losses, ensuring the settlement places them in nearly the same financial position after the loss as before it. Consequently, the insured can never collect a payout that exceeds their real financial loss, preventing any legal opportunity to profit from a disaster.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"If a fire policy excludes explosions, why would a fire-induced blast be covered?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"This scenario is managed by the principle of proximate cause, which tracks the dominant, initiating factor of an accident rather than remote subsequent events. If an active fire breaks out and directly causes a chemical explosion, the proximate cause of the entire destruction sequence is ruled as fire. Because the fire initiated the chain without external interference, the insurer must cover the claim up to the sum insured.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the duty of loss minimization for a business owner during a fire outbreak?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The principle of loss minimization establishes that a policyholder must take all necessary steps to cut down and control the loss of their insured property during an emergency. A business owner cannot stand by passively and allow their stock to burn simply because they hold a fire policy; they must actively alert the fire brigade, deploy on-site extinguishers, and isolate undamaged equipment.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><strong>Shivani<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Insurance and Risk<\/span><\/p>\n<p><span style=\"font-weight: 400;\">She has a passion for property insurance and a wealth of experience in the field, Shivani has been a valuable contributor to SecureNow for the past six years. As a seasoned writer, they specialize in crafting insightful articles and engaging blogs that educate and inform readers about the intricacies of property insurance. <\/span><span style=\"font-weight: 400;\">She brings a unique blend of expertise and practical knowledge to their writing, drawing from her extensive background in the insurance industry. Having worked in various capacities within the sector, she deeply understands the challenges and opportunities facing property owners and insurers alike.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A fire insurance policy compensates the policyholder for the loss or damage that arises due to fire. It gives financial security to the insured by shielding him\/her from losses or damages caused by fire. There are some principles or fundamental doctrines of Fire insurance guiding different types of fire policies under its purview. Key Takeaways [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6],"tags":[45,193],"class_list":["post-1269","post","type-post","status-publish","format-standard","hentry","category-property-insurance","tag-fire-insurance","tag-property-insurance"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1269","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=1269"}],"version-history":[{"count":15,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1269\/revisions"}],"predecessor-version":[{"id":33321,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1269\/revisions\/33321"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=1269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=1269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=1269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}