FPG Insurance have specially designed the home insurance products
that offer you flexible and comprehensive protection.
that offer you flexible and comprehensive protection.
Covers Physical Loss or Damage to the covered property arising from the following perils:
Additional Coverage:
| Fire or Lightning |
| Earthquake |
| Typhoon or Windstorm including Flood or Overflow |
| Flood or Overflow of the Sea |
| Volcanic Eruption (Excluding locations that are in the 50km radius form the mouth of the volcanoes) |
| 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 |
| Architect or Surveyor’s Fees up to 5% of the building sum insured (max. limit of Php 50,000) |
| 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 (1/3) of the contents’ sum insured, unless specifically agreed herein, maximum limit of Php 50,000 |
| Personal Belongings of Household Employee up to 10% of the contents’ sum insured, maximum limit of Php 5,000 pesos |
| Alternative Accommodation, up to 10% of the contents' sum insured, maximum limit of Php 10,000 per month, up to 6 months. Loss of Rent, up to 10% of the building sum, maximum limit of Php 10,000 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
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)
Accidental Death and/or Bodily Injury for Household Employee of the Insured
| 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 |
| 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 |
| 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 |