Fire Insurance

Fire Insurance

Fire and Special Perils Insurance

The Fire & Special Perils (FSP) policy provides cover for both private residence and business premises against loss or damage to insured property caused by fire and related perils such as flood, storm, tempest, explosion (domestic gas and boilers) and lightning, burst of water pipes etc. Other Perils Covered:

  1. Damage caused by drop aircraft and other aerial devices and/or articles dropped therefrom.
  2. Damage caused by escape of water from any tank, apparatus or pipes.
    Impact by any road vehicle or animal.
  3. Damage to the property insured directly caused by the malicious act of any person.
Fire Insurance

Householder Insurance

It provides protection against loss or damage to the contents of private dwelling. Perils covered are damage or loss caused by:

  1. Fire, Lightning, Explosion, Thunderbolt, Subterranean Fire.
    Storm, Tempest,
  2. Hurricane and Tornado.
  3. Aircraft and other Aerial Devices or articles dropped therefrom.
  4. Bursting or overflowing of Water Tanks, Apparatus or Pipes.
  5. Burglary, Housebreaking or any attempt thereat.
  6. Impact with any of the Buildings, by any Road Vehicle, Horses or Cattle, not belonging to or under the control of the Insured or any member of his family residing with him.
  7. Loss of rent.
  8. Property Owner’s Liability
Fire Insurance

Houseowner Insurance

The policy is designed to provide protection against loss or damage to private dwelling. It provides cover for fire insurance and allied perils plus such coverage as personal liability insurance, medical and theft. Houseowner cover is essentially of two major categories - Building and Contents/ Perils covered are damage or loss caused by:

  1. Fire, Lightning, Explosion, Thunderbolt, Subterranean Fire.
  2. Storm, Tempest, Hurricane and Tornado.
  3. Aircraft and other Aerial Devices or articles dropped therefrom.
  4. Bursting or overflowing of Water Tanks, Apparatus or Pipes.
  5. Burglary, Housebreaking or any attempt thereat
    Impact with any of the Buildings, by any Road Vehicle, Horses or Cattle, not belonging to or under the control of the Insured or any member of his family residing with him.
  6. Loss of rent.
  7. Property Owner’s Liability
Fire Insurance

Office Comprehensive

Office comprehensive insurance provides cover for office contents and utensils of trade, personal accident protection, legal liability protection not otherwise insured properly owned by any partner or direction or employee of the insured up to a certain limit as a result of fire and allied perils, theft and accidental breakage of glass. You can also get coverage for liability, loss of rent, out of pocket expenses, temporary removal, public liability, cash-in-safe and on the premises.

Fire Insurance

Combined Fire and Burglary

This is provides cover on insured assets against the perils of fire and burglary /theft. This policy covers both insured building/premises and the contents therein against theft and damages arising from fire and other related perils such as flood, storm, tempest, explosion, burst of water pipes etc.

Fire Insurance

Burglary Insurance

It offers protection against loss or damage by theft of property belonging to the insured or for which the insured is responsible. The risk covered by this policy is theft involving forcible and violent entry into or exit from the premises. It covers not only contents of the premises but also damage to the premises as a consequence of forcible entry or exit. Damage to the buildings occurring during theft or attempted theft is also covered. Specific items and sums insured often apply to different types of stock. Cover also includes:

  1. breakage of glass.
  2. replacement of locks following the theft of key.
  3. temporary removal of items (other than stock) for cleaning or repair.