FPG Insurance
FPG Insurance have specially designed the home insurance products
that offer you flexible and comprehensive protection.
Covers Physical Loss or Damage to the covered property arising from the following perils:
Fire or Lightning or Thunder
Earthquake
Typhoon or Windstorm including Flood or Overflow
Flood or Overflow of the Sea
Volcanic Eruption
Subterranean Fire
Extended Coverage against Explosion, Falling Aircraft, Vehicular Impact, and Smoke Damage)
Riot, Strike and Malicious Damage
Broad Water Damage
Bursting or Overflowing of any water tank apparatus or pipe
Robbery / Burglary / Housebreaking
Additional Coverage:
Architect or Surveyor’s Fees up to 5% of the building sum insured
Debris Removal expense up to 10% of the building sum insured
Internal Removal expense up to 10% of the contents' sum insured
Visitors Personal Effects up to 5% of the contents' sum insured
Automatic coverage for Platinum, Gold, Silver, Jade articles and jewelries, as well as furs up to one-third (?) of the contents’ sum insured, unless specifically agreed herein, maximum limit of Php 50,000 pesos
Servant’s Property up to 10% of the contents’ sum insured, maximum limit of Php 5,000 pesos
Alternative Accommodation or Loss of Rent, up to 10% of the building sum insured plus 10% of the contents’ sum insured, maximum limit of Php 5,000 pesos per month, up to 6 months
Liability to the Public which the Insured may be legally liable for bodily injury or property damage sustained by a third party up to Php 100,000 pesos
Accidental Death and/or Disablement (AD&D) to the Insured's family (due to Fire, Violent External Means, or caused by Thieves while in the Insured’s premises
Benefits Limits
Accidental Death Benefit for Principal Insured Php 100,000 pesos
Accidental Death Benefit for Spouse Php 50,000 pesos
Accidental Death Benefit for Children Php 25,000 pesos
Aggregate Limit for Accidental Death Php 250,000 pesos
Accidental Medical Reimbursement (AMR) to the Insured’s family (due to Fire, Violent External Means, or caused by Thieves while in the Insured's premises)
Benefits Limits
Accidental Medical Expense for Principal Insured Php 10,000 pesos
Accidental Medical Expense for Spouse Php 5,000 pesos
Accidental Medical Expense for Children Php 2,500 pesos
Aggregate limit for Accidental Death Php 25,000 pesos
Accidental Death and/or Bodily Injury for Household Employee of the Insured
Benefits Limits
Accidental Death and/or Bodily Injury for EACH Household Employee Php 5,000 pesos
Items Deductibles
Broad Water Damage, Bursting or Overflowing of water tank apparatus or pipes and Sprinkler Leakage Php 20,000.00 each and every loss
Earthquake/Typhoon or Windstorm/Flood/Volcanic Eruption 2% of the actual cash value of the affected item (per standard PIRA deductible wordings)
Extended Coverage 1% of the Sum Insured of the affected item (per standard PIRA deductible wordings)
Robbery, Burglary or Housebreaking Php 5,000 each and every loss
Alternative Accommodation 7 days waiting period
Personal Liability Php 5,000 each and every claim for Third Party Property Damage