Fire Insurance is coverage against loss by fire and or lightning. It may include coverage against loss by windstorm or earthquake and other allied risks. In other words, It is still cover by extension to fire insurance policies or under separate policies.

Allied Perils
  • Fire (earthquake) – Covers the insured against direct loss or damage by fire occasioned by an earthquake
  • Shock (earthquake) – Coverage against loss or damage by shock in consequence of an earthquake

Coverage is normally given for complete buildings and contents of fully enclose and roof structures. Hence, buildings in the course of construction and goods stored in the open are usually exclude from the coverage. Loss or damage to the contents or interior of a building is cover only if the building itself is externally damage.


Coverage against loss or damage caused by extraordinary rising of water following typhoon, cyclone and or windstorm. However, This excludes flood cause by an  overflowing, bursting or leakage of water apparatus and lack of proper drainage.


Extended Cover

Coverage against loss or damage cause by fire as a result of explosion but excluding loss or damage by boilers, economizers, steam engine pipes and other apparatus in which pressure is use.

Aircraft or Vehicle Impact

Loss or damage must be cause directly by impact of an aircraft, including articles drop there from or land vehicle.


Coverage against loss or damage due to smoke resulting from sudden, unusual and faulty operation of any heating or cooking unit but only when such until is connected to a chimney.

Riot or Strike

Covers all direct loss or damage cause by strikers, or locked-out workers including wreckage and looting. This may be extend to cover deterioration of goods, in addition to direct loss or damages due to fire arising from public disturbance.

Malicious Damage

Covers loss or damage to the property insures indirectly cause by the malicious act of any person whether or not such act is committed in the course of a disturbance of the public peace.

Extended Cover
  • Burglary
  • Plate Glass
  • Electronic Equipment Insurance
  • Machinery Breakdown
  • Deterioration of Stocks
  • Business Interruption or Loss of Profit

Standard Insurance has packaged products for:

  • House
  • Business
  • Office