FIRE INSURANCE

Insure your property against the loss and damaged caused by fire. Insured properties may include buildings, machinery and equipment, stocks in trade, goods in process, household fixtures, furniture, appliances, personal effects (excluding cash and jewelry which will have to be insured on their own) and other fixed properties.

FIRE INSURANCE CAN BE EXTENDED TO COVER DIRECT LOSS OR DAMAGE CAUSED BY THE FOLLOWING PERILS:

EARTHQUAKE FIRE/SHOCK
A fire following an earthquake. Earthquake Shock insurance covers other direct loss or damage resulting from an earthquake.
TYPHOON/FLOOD
Typhoon shall be understood to mean as a typhoon or storm as recorded by the Weather Bureau. Flood shall be understood to mean as the entry of water into the insured premises due to the inundation of land not usually covered by water.
VEHICLE IMPACT/FALLING AIRCRAFT
Resulting from actual physical contact of an aircraft or a vehicle with the property insured, or with a building containing property insured. Falling aircraft shall include falling or dropping objects from higher places but excluding glass parts of the property.
EXPLOSION
Excluding loss or damage to boilers, economizers, or other vessels, machinery or apparatus resulting from their explosion.
SMOKE DAMAGE
Due to a sudden, unusual and faulty operation of any heating or cooking unit, only when such unit is connected to a chimney by a smoke pipe or by a vent, and while in or on the premises described in the policy, excluding however, smoke from fire places or industrial apparatus.
RIOTS/STRIKES
Caused by malicious acts of a strike, lockout of workmen, etc. However, any loss or damage caused by foreign enemy, military or usurped power, war, civil war, rebellion, insurrection, invasion, hostilities (whether war be declared or not), civil commotion amounting to a popular rising and the like is not covered.
MALICIOUS DAMAGE
Caused by malicious act of any person.
RIOT/FIRE
Caused by the act of any person, in connection with a strike or lockout.
OTHER FORMS OF COVERAGE
For Manufacturing and Commercial Operation, for Residential and Office Operations, For Residential/Commercial Condominium Buildings.