Fire insurance is a type of insurance. The protection of buildings. To cover damage caused by fire, lightning and explosion of gas for residential use. Or for LED lighting It also protects the property has been damaged due to heat. As a result of smoke or fire. Damage due to water or other things, the use of fire. The duties of the officers as a fire destroyed the home side to prevent the fire from spreading to another.
What property can be insured.
In most cases, when it comes to insurance. We tend to think of insurance for homes and buildings only. In fact, the property can fire insurance can be divided into two categories together.
1. Buildings (Excluding foundation) represents House Townhouse Duplex House for housing. Garage and small buildings such as a house servant, a kitchen wall, fence gates, including renovations. Unit residential condominium flats.
2.
Property within the meaning of buildings, furniture and decor. Appliances Electronics And home electronics, appliances, clothing, musical instruments and sound. And other assets The residence of the insured Or a person who normally lives with the insured.
When fire insurance to be protected it.
In residential fire insurance, the insured would receive the following basic coverage.
Fire
Lightning (including damage to appliances and electrical short circuit caused by lightning).
Blast
Disaster vehicle or elephants, horses, cattle, except for the damage caused by vehicles or elephants, horses, cattle of the insured. Family members who lived with the insured. Or any person acting in a manner that was employed or used by the insured.
Disaster aircraft or objects that fall from the aircraft. Unless the damage caused by the insured aircraft has allowed into the area to which it is entitled to have the aircraft such that it includes a self-propelled rocket and spacecraft.
Risk from sea Caused by the accidental discharge of leakage or spillage of water. Or steam from the water tank. Heating system Pump Fire hose cabinet Cooling system Air Conditioning System Rainwater flows into the building from the roof, windows, doors, door malfunctioning of the vent window light. Pipe or conduit
In addition to the basic coverage Policy holders can also buy other coverage disasters like floods, earthquake, windstorm, etc., to secure the peace of mind.
Protection period
Because the fire insurance premiums for residential houses is relatively cheap compared to other insurance. And are covered in the scope. The players are interested in making a lot of residential fire insurance. Moreover, if you choose to purchase coverage for a longer period. Premiums will be more cheap. As can be seen from the following insurance rates.
1 year, representing a premium of 100%
2 years is a premium 175%
3 years with 250% premium