There are three main types of Fire insurance policies namely the Fire & perils Insurance, Houseowners Insurance and Householders Insurance.

Fire & perils Insurance
This type of Insurance policy is suitable for covering the buildings and contents of commercial property and residential property.

Standard Cover
The standard cover under this insurance is Fire, Lightning, and Explosion caused by gas used for domestic purpose.

Additional cover
The additional cover can be purchased with an additional premium namely;

• Aircraft Damage
• Explosion (other than gas used for domestic purpose)
• Impact damage
• Bursting and Overflowing of water tanks or pipes
• Electrical Installations
• Windstorm, Tempest
• Earthquake, and Volcanic Eruption
• Flood
• Spontaneous Combustion
• Bush/Lalang Fire
• Riot, Strike and Malicious Damage
• Subsidence and Landslip

Common exclusions
War, invasion, mutiny, rebellion, martial law risks, pollution, contamination or ionizing radiation risks, and nuclear weapon risks

Houseowners Insurance and Householders Insurance
Houseowners Insurance is commonly purchased by owners of residential property to cover the building including its fixtures and fittings, whereas Householders Insurance covers the household contents in the building.

Standard Cover
The cover under this insurance includes the risk of Fire, Lightning, and Explosion caused by gas used for domestic purpose, loss or damage arising from aircraft damage, impact damage, overflowing of water tanks or pipes, electrical installations, windstorm, tempest, earthquake and volcanic eruption and flood, theft with violent and or forcible entry or exit and liability to public.

Additional cover
The additional cover can be purchased with an additional premium namely;

• Bush/Lalang Fire
• Riot, Strike and Malicious Damage
• Subsidence and Landslip

Common exclusions
War, invasion, mutiny, rebellion, martial law risks, pollution, contamination or ionizing radiation risks and nuclear weapon risks