Fire is one of the most devastating hazards to a residential or commercial property. Whether you have just moved in to a new place or have owned it for years, keeping it safe and secure is always a high-priority concern. Having fire insurance to take care of the details when the storm of life blow is a critical protection that you need most. This specialised form of insurance is designed to cover the cost of replacement or repair beyond the items covered by the property insurance. Damages to the buildings, fixtures and fittings, including personal property and expenses associated with not being able to use the damaged property in the events of fire, lightning, explosion, typhoon, windstorm, flood, earthquake, landslip and subsidence will be covered.
*Levy collected by the Insurance Authority (IA) will be imposed on this policy at the applicable rate with effective from 1 January 2018. For further information, please visit IA website (www.ia.org.hk).