A fire insurance policy can be bought by anyone who is the legal owner of a residential landed property or apartment in order to protect it against loss of or damage to such property. The contents of a home can also be insured against. 

If you are the owner of a house, your fire insurance policy may be extended to include permanent fixtures and fittings such as fitted kitchen and bedroom closets/cupboards and interior decorations. Outbuildings such as maids quarters or garages may be included as well. The extent of structures to be included will depend on their inclusion in the build up in the sum insured.

In addition, the contents of your home like furniture, carpets, TV, video, hi-fi equipment, piano, bookcase, books, lamps, ornaments, PC, clothing, bedding, kitchenware and appliances, personal effects etc and leasehold improvements can be insured as well. Often the policy on contents/leasehold improvements is issued separately from the policy on the structure although some insurers issue a combined policy for houses.

Flood Insurance

(This policy is in conjunction with Fire policy)

In consideration of the insured having paid to the insurer the premium for or on account of the said indemnity, the insurer agrees subject to the terms, exclusions, limits and conditions contained herein or endorsed hereon to indemnify the insured against direct physical loss or damage occurring the period of this policy in respect of the property of the insured mentioned in the schedule herein due to flood which means:

1) The over flowing or deviation (erosion included) from their normal channels of either natural or artificial watercourses.

2) Any flow or accumulation of water on the ground except when such flow or accumulation be of water emitted form any water supply main, tap, pipe, valve or the like

Cyclone Insurance

(This policy is in conjunction with Fire policy)

Now, in consideration of the insured having paid to the insurer the 1st premium for or on account of the said indemnity, the insurer agrees subject to the terms, exclusions, limits and conditions contained herein or endorsed hereon to indemnity the insured against direct physical loss or damage occurring during the period of this policy in respect of the property of the insured mentioned in the schedule herein due to:

A.)  Hail, Storm, Tempest, Cyclone, Hurricane, Typhoon or Tornado

B.)  Rain provided the buildings in respect of which the claim is made is so damaged by any of the perils specified in supra to admit rainwater to the interior of the said building.