House fire insurance is one of the most important policy to protect our home. Our home is one of the biggest investment that we will make and therefore we should protect it. Houseowner insurance is a comprehensive policy that covers private dwelling house / apartment / condominium / flat including fixtures, fittings, walls, gates and fence against fire and other perils. The houseowner insurance is probably the most affordable policy that we will ever purchase that has many benefits and features.
When it comes to determining the house insured value, always ensure that the sum insured covers the cost of rebuilding your house including all renovations made.
Need help to estimate the rebuilding cost of your property, use PIAM Building Cost Calculator
If you wish to extend the coverage for your home contents, you should purchase a householder insurance.
Summary of Coverage for houseowner insurance:
- Fire, lightning, thunderbolt and subterranean fire (house damaged by fire)
- Explosion (condo damaged by explosion)
- Aircraft, other aerial devices and / or articles dropped
- Impact Damage
- Bursting or overflowing of domestic water tanks, apparatus or pipes
- Theft
- Hurricane, cyclone, typhoon, windstorm (property damaged by windstorm)
- Earthquake, volcanic eruption
- Flood (house damaged by flood)
The houseowner insurance can be extended to cover loss or damage to the following with payment of additional premium:
- Plate Glass Damage
- Subsidence and Landslip
- Riot, Strike and Malicious Damage
Contact Us Now for further information.