Normally, RWAs take an insurance cover for the structure and not for the interiors of your flat
It is sensible to go in for an all-risk cover, because it includes losses due to mishandling, short-circuit & theft
Your claim falls under the head of fire and allied perils, which is subject to a few exclusions
Do check the quantum of cover in the householder policy taken by the RWA
There is a possibility that the insurer would ask your brother to insure these items directly or pay for them
Your claim on the wiring short-circuit due to rains and water logging will be covered under the home insurance.
Some insurers offer ‘cancellation of vacation’ cover as part of the home insurance policy.
Stay protected during floods by getting appropriate insurance against flood damage
Don't let vagaries of life impact your possessions- insuring assets is a cost effective way to protect what you own
The importance of replacement value is best understood in case of repairs and replacement