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Is your FIRE insurance covers what you require?

Is your FIRE insurance covers what you require?

Is your FIRE insurance covers what you require?
07 Sep 2020

When you are purchasing a Fire insurance to your home or business, you can purchase a BASIC FIRE insurance or Fire insurance WITH ADDITIONAL COVERS.

Basic Fire insurance covers only the damages due to a normal cause of fire. For an example – Electric shortage, self-ignition, fire due to an internal accident etc. Basic fire insurance may not cover some damages such as below;

What basic Fire Insurance not cover?

  • Damages due to natural perils – Flood, storms, tornedos, landslides etc.
  • Burglary
  • Damages or fire due to riots and civil commotions
  • Damages or fire due to terrorist attacks
  • Air craft crash damages

Therefore, if you need more covers as mentioned above, you should inform the insurance person to add those covers to your insurance policy. Otherwise you will be in a trouble in case of an insurance claim.

Adding additional cover may not increase the premium in a large amount, therefore it is wiser to add all required covers to your fire insurance.

Call us on our hotline 077 147 2475, if you need any help on your home insurance or business insurance.