FIRE INSURANCE

Fire Insurance

Cover your home, flat or your residential building with our Basic Home Cover by selecting one of our Main Covers: Fire, Fire & Special Perils or Fire, Special Perils & Burglary. Beside covering your building, you can cover your household contents, jewellery in locked safe, personal effects and alternative accommodation or loss of rent.

You can also benefit from our Additional Covers: Home Assist, RSMD (Riots, Strikes & Malicious Damages) and Sabotage & Terrorism.

 

Fire (Basic Home Cover)

Cover your premises against losses caused by:

i. FIRE (whether resulting from explosion or otherwise excluding)

(a) Any DAMAGE occasioned by earthquake, volcanic eruption or other convulsions of nature
(b) DAMAGE occasioned by
        (i) its own spontaneous fermentation or heating or
        (ii) its undergoing any process involving the application of heat.
(c) any DAMAGE occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire.

ii. LIGHTNING

iii. EXPLOSION
(a) of boilers
or
(b) of gas
used for domestic purposes only but excluding DAMAGE caused by earthquake, volcanic eruption or other convulsions of nature.

Fire and Special Perils

Beside Fire (Home Basic Cover) protect your premises against losses caused by:

  • Storm
  • Tempest
  • Flooding
  • Escape of Water
  • Impact damage by road vehicle and animals
  • Earthquakes or volcanic Eruptions
  • Aircraft
  • Other aerial devices or articles dropped therefrom 

STORM AND TEMPEST

Excluding DAMAGE
(i) caused by the escape of water from normal confines of any natural or artificial water course or lake reservoir canal or dam or any water tanks, apparatus or pipes an inundation from the sea whether resulting from storm or otherwise.
(ii) caused by frost, subsidence or landslip
(iii) to awnings, blinds, signs or other outdoor fixtures and fittings, gates and fences and movable property in the open
(iv) to premises in course of construction, alteration or repair except when all outside doors, windows and other openings are complete and protected against
storm or tempest
(v) by water of rain other than by water or rain entering the building through openings made in its fabric, by the direct force of the storm or tempest
(vi) as a result of doors, windows or roof lights being left open or in a defective condition
(vii) solely attributable to change in water table levels

FLOOD

DAMAGE caused by the escape of water from the normal confines of any natural or artificial water course or lake reservoir canal or dam or inundation from the sea.
Excluding DAMAGE
(i) caused by frost, subsidence or landslip
(ii) to awnings, blinds, signs or other outdoor fixtures and fittings, gates and fences and moveable property in the open
(iii) to premises in course of construction, alteration or repair except when all outside doors, windows and other openings are complete and securely protected
(iv) by water or rain other than by water or rain entering the building through openings made in its fabric by the direct force of the storm or tempest
(v) as a result of doors, windows or roof lights being left open or in a defective condition
(vi) resulting from the escape of water from any tank apparatus or pipes
(vii) caused as a result of inability of gutters, pipes, downpipes and apparatus to convey rain water off and out of the Building 
(viii) Solely attributable to change in water table levels

ESCAPE OF WATER FROM ANY TANK, APPARATUS OR PIPES
Excluding
(i) DAMAGE by water discharged or leaking from an installation of automatic sprinklers
(ii) DAMAGE in respect of any building which is empty or left unoccupied for more than 30 days consecutively
(iii) DAMAGE to the component or appliance from which the water escapes
(iv) Costs of locating and rectifying the source of escape of water.

IMPACT BY ANY ROAD VEHICLE OR ANIMAL
Excluding
DAMAGE by any road vehicle or animal belonging to or under the control of the participant or any occupier of the premises or their respective employees.

EARTHQUAKE OR VOLCANIC ERUPTION
Including flood or overflow of the sea occasioned thereby.

AIRCRAFT and other aerial devices and / or articles dropped therefrom
Excluding
DAMAGE by pressure waves caused by aircraft or other aerial devices travelling at super sonic or sonic speeds.

Fire, Special Perils & Burglary

Beside Fire and Special Perils cover, protect your premises against losses caused by:

Theft accompanied by forcible entry or exit to the premises

Beside covering your building with one of our main covers:

  1. Fire
  2. Fire and Special Perils
  3. Fire, Special Perils & Burglary

 

You can select our Alternative Accommodation & Loss of Rent to extend your cover benefits.

Alternative Accommodation

Select Alternative Accommodation benefit to cover the costs of alternative accommodation specified in the policy in case the house is not in a condition to be lived in due to an accident covered in the existing policy.

Loss of Rent

Select Loss of Rent benefit to cover the loss of rent amount specified in the policy in case the house is not in a condition to be lived in due to an accident covered in the existing policy.

Additional Benefits

RSMD

Cover your premises against riots, strike and malicious damages.

 

Home Assist

Get Home Emergence Assistance

Peace of mind is priceless ...

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Head Office-Seef

Sun - Wed(8:00 - 4:00)
Thu(8:00 - 3:00)

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Muharraq Center

Sat - Wed(8:00 - 4:00)

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Hamala Center

Sun - Wed(8:00 - 4:00)
Thu(8:00 - 3:00)

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Jerdab Center

Sun - Wed(8:00 - 4:00)
Thu(8:00 - 3:00)

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Salmabad Center

Sun - Wed(8:00 - 4:00)
Thu(8:00 - 3:00)

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