Fire and Allied Perils insurance covers losses or damage to property, caused by fire, lightning, or explosions of household appliances. This type of insurance policy can be added to your Home or Commercial Property insurance for extended protection of your home or business premises.

The Fire and Allied perils insurance covers additional perils which may differ from one policy to another, but can include any or all of the following perils:

• Strikes and riots

• Malicious damage 

• Explosions

• Earthquakes 

• Volcanic eruptions

• Bush Fires

• Special Perils (flood, overflowing of gutters, bursting of water tanks etc.) 

Depending on the wording of the policy, fire and allied perils insurance can even cover the loss of rent following a fire, loss of contents of underground tanks as a result of an earthquake, or damage to swimming pools caused by earthquakes.

One Broker offers customized insurance policies for your specific needs, taking into consideration the following factors for determining the coverage and premium costs:

• The value of the property (buildings and contents)

• The nature of business or occupancy of the building 

• The nature of construction

• The location of the premises 

• The state of housekeeping 

• Firefighting appliances installed on the premises

To have the guarantee that everything you own is properly covered, we recommend you obtain a professional valuation of the property and its contents.

Contact One Broker to receive professional consultancy from our team of experts.