Aviation insurance is a highly specialised product, aimed at the private and commercial aviation markets. Aviation insurance policies can cover commercial airliners and private fixed wing aircraft and helicopters for a range of eventualities. These include hull "all risks", hull "war damage" and liability. Hull all risk cover usually refers to a wide range of possible risks carried by airlines. These can include damage during flight or when grounded, during take-off and landing. There will be exclusions to these particular insurance policies. Hull war damage refer to damage to a fixed wing aircraft and helicopters during times of war, civil unrest, hi-jacking, terrorist attacks and a wide range of additional possible hostile occurrences during times of rest or unrest. Liability cover usually only covers claims arising directly from the use of an aircraft, directly or indirectly. If, for instance, an airplane crash lands into a person's house, that individual can claim against the aircraft's owner/airline for damages to their property.