fire insurance (Residential and commercial properties)
RESIDENTAL
🏠 Residential Property --- Protect Your Home. Protect Your Peace of Mind.
Your home isn’t just a structure — it’s where your family’s dreams, memories, and hard work live. In the Philippines, where typhoons, earthquakes, and fires can strike unexpectedly, having Residential Property Insurance gives you the peace of mind that your most valuable asset is protected. 💪🌤️
🔎 What is Residential Property Insurance?
Residential Property Insurance provides financial protection for your home and its contents against loss or damage caused by unforeseen events such as:
🔥 Fire and Lightning
💨 Typhoon and Flood
🌋 Earthquake
💥 Explosion
⚡ Electrical Surge
🔓 Theft or Burglary
💧 Accidental Water Damage
Depending on your chosen coverage, it can also include personal liability, protecting you from financial loss if someone gets injured or property is damaged within your premises.
🛡️ Typical Coverages Include:
🏡 Building Coverage – Protects the physical structure of your home including walls, roof, ceiling, flooring, built-in cabinets, and fixtures against covered perils like fire, typhoon, and earthquake.
🛋️ Contents Coverage – Covers household items and personal belongings such as furniture, appliances, and valuables inside your home that may be damaged or lost due to insured events.
🔥 Fire and Allied Perils – Provides protection against fire, lightning, and explosion, ensuring that your home and belongings can be repaired or replaced after such incidents.
💨 Acts of Nature (AON) – Covers damage caused by natural calamities such as typhoons, floods, earthquakes, volcanic eruptions, or other weather-related events common in the Philippines.
💧 Water Damage (Accidental) – Protects your property from accidental water leaks or pipe bursts that cause damage to walls, floors, or furniture.
⚡ Electrical Surge Protection – Covers damage to electrical appliances and devices caused by sudden power fluctuations, short circuits, or lightning-induced surges.
🔓 Burglary / Theft – Provides coverage for loss of valuables and property damage resulting from burglary, break-ins, or attempted theft.
🧾 Property Owner’s Liability – Offers financial protection in case someone is accidentally injured or another property is damaged within your premises — helping cover medical or legal costs.
🏦 Mortgagee Protection – Ensures that if your property is under bank financing or mortgage, both you and your bank’s interests are safeguarded in case of loss or total damage.
❤️ Why It’s Important for Every Filipino Homeowner
In Filipino culture, owning a home is one of life’s greatest milestones — often built from years of savings, sacrifices, and family teamwork. 🇵🇭
But when disaster strikes, rebuilding from loss can be emotionally and financially overwhelming.
Having Residential Property Insurance means you won’t have to start from zero. It helps you:
✅ Recover faster after calamities
✅ Secure your family’s financial stability
✅ Protect your home investment for the long term
✅ Enjoy peace of mind knowing your home and valuables are covered
📄 Get Your Home Protected Today!
Don’t wait for the unexpected — secure your home and your family’s future with the right protection plan.
📩 Send us your details for a free quotation
COMMERCIAL
🏢 Commercial Property Insurance
Protect Your Business. Safeguard Your Success. 💼🔥
In the Philippines, every business — big or small — is built with hard work, dedication, and dreams. From offices and restaurants to warehouses and retail shops, your commercial property is more than just a building — it’s the foundation of your livelihood. 🌟
But unexpected events like fire, typhoons, floods, or earthquakes can cause serious damage and disrupt operations. That’s why Commercial Property Insurance is essential — it ensures that your business stays protected and can recover quickly when unforeseen challenges arise. 💪🏽🌤️
🔎 What is Commercial Property Insurance?
Commercial Property Insurance provides financial protection for business properties against loss or damage due to covered perils such as:
🔥 Fire and Lightning
💨 Typhoon and Flood
🌋 Earthquake
💥 Explosion
⚡ Electrical Surge
🔓 Theft or Burglary
💧 Water Damage (accidental)
It also helps cover loss of income and business interruptions, ensuring you can continue operations or rebuild after an incident.
🛡️ Typical Coverages Include:
• 🏢 Building Coverage – Protects the physical structure of your commercial property, including walls, roof, fixtures, and permanent fittings.
• 🪑 Contents Coverage – Covers office furniture, machinery, computers, inventory, and other business assets inside the premises.
• 🔥 Fire and Allied Perils – Protection against fire, lightning, explosion, and other related hazards.
• 💨 Acts of Nature (AON) – Covers damages caused by typhoon, flood, earthquake, volcanic eruption, and other natural calamities.
• 💸 Business Interruption / Loss of Income – Compensates for income loss and ongoing expenses during the period your business cannot operate due to covered damage.
• 🧾 Property Owner’s Liability – Protects you from financial liability if third parties are injured or their property is damaged within your premises.
• 🏦 Mortgagee Protection – Safeguards the financial interest of your bank or lender (if your property is under financing).
❤️ Why It’s Important for Every Filipino Business Owner
In Filipino business culture, every establishment represents years of effort, trust, and community impact.
Whether it’s a family-run shop, a rental space, or a growing enterprise — one major loss can set back years of progress.
With Commercial Property Insurance, you can:
✅ Ensure business continuity after calamities
✅ Protect your investments and assets
✅ Maintain financial stability despite losses
✅ Gain peace of mind to focus on growth
📄 Secure Your Business Today!
Don’t let unexpected events stop your success.
Protect your property, your livelihood, and your people with Commercial Property Insurance from trusted providers.
📩 Send your business details for a free quotation
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