FPG Insurance

Covers Physical Loss or Damage to the covered property arising from the following perils:

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 from 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 - 5% of the total sum insured
Bursting or Overflowing of any water tank apparatus or pipe - 5% of the total sum insured
Fire Fighting Expense - 5% of the sum insured, minimum of Php100,000
Personal 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 200,000.00

Coverage - SECTION II. Additional Coverage

Owner, Non-Resident
- Loss of Rent, up to 10% of the Building sum insured plus 10% of the Contents sum insured, maximum limit of Php 10,000.00 per month, up to 6 months
- Debris Removal expense up to 10% of the building sum insured
- Accidental breakage of fixed glass due to named perils – Php50,000.00
- Architects and surveyor's fee up to 5% of the building sum insured

Tenants
- Robbery / Burglary / Housebreaking – 5% of the contents sum insured, maximum of Php200,000
- Alternative Accommodation, up to 10% of the Contents sum insured, maximum limit of Php 10,000.00 per month, up to 6 months
- Loss / damage of contents temporarily removed by professional movers – 1% of the contents sum insured for each and every loss
- Replacement of locks and keys due to named perils – Php5,000 each and every loss
- Automatic coverage for Platinum, Gold, Silver, Jade articles, Jewelry and Furs up to one-third (1/3) of the Contents sum insured, unless specially agreed herein, max. limit of Php 50,000.00
- Internal Removal up to 10% of the contents sum insured
- Visitors Personal Effects up to 5% of the contents sum insured, max. limit of Php 5,000.00
- Accidental Death (AD) to the Insured's Family (due to fire, violent external means or caused by thieves whilst within the insured’s premises) - covers the insured and spouse (below 65 years old) and unmarried children (1 to 22 years old) still residing with the Assured.
  Limits:
  Php 100,000.00 Accidental Death benefit for Principal Insured
  Php 50,000.00 Accidental Death benefit for Spouse
  Php 25,000.00 Accidental Death benefit for Children (max of 4)
  Aggregate limit for Accidental Death is Php 250,000.00
- Accidental Medical Reimbursement (AME) to the Insured's family (due to fire, violent external means or caused by thieves whilst within the insured’s premises) - covers the insured and spouse (below 65 years old) and unmarried children (1 to 22 years old) still residing with the Assured
  Limits:
  Php 10,000.00 Accidental Medical Expense for Principal Insured
  Php 5,000.00 Accidental Medical Expense for Spouse
  Php 2,500.00 Accidental Medical Expense for Children (max of 4)
  Aggregate limit for Accidental Medical Expense is Php 25,000.00
- Household employee (including gardeners and drivers) Accidental Death and Bodily Injury - Php 10,000 per household employee, aggregate limit of Php 20,000.00
- Personal belongings of household employee - 10% of the contents sum insured, maximum of Php5,000.00

Owner-Resident
All benefits mentioned under A and B

Deductibles

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
Plate glass	Php 2,500 each and every loss

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