Commercial and residential property insurance covers insured parties against the costs of repairing or rebuilding insured properties. Depending on the specific insurance contract, this can include damage to property caused by Acts of God, water, storm and fire damage, subsidence, burglary and others. Insurance can be for buildings and/or contents. Mortgage providers will typically require that borrowers have the former in order to protect property values. On the commercial property side, companies can also take out business interruption insurance in the event of interruptions to business as usual, which detract from their ability to generate income and lowers profits.