Property/Fire Insurance

In your home and business protection TRUST... Kenwal.biz to facilitate your requirments. You cannot control everything that might happen to your insured property. But you can protect yourself from loss or damage with the appropriate insurance coverage from a company you can depend on.

The Fire Insurance policy undertakes, for a premium and subject to certain conditions embodied in the contract, to pay or make good to the Insured the direct loss or damage to a particular property caused during a specific period by fire, lightning, or by other insured perils.

Buildings, either completed or under construction, as well as its contents (such as business or household furniture, fixtures, fittings and equipment, machinery, tools, spare parts, finished or unfinished stocks in trade, personal effects except money and jewelry, betterments and improvements) may be covered under the Fire Insurance.

Fire Insurance basically covers property against fire and lightning. However, the coverage may be extended to include, among others, the following details, subject to payment of additional premium:

• Earthquake Fire / Shock
• Typhoon
• Flood
• Riot, Strike and Malicious Damage
• Extended Coverage (which includes the perils of smoke, explosion, falling aircraft and impact of vehicles)
• Broad Water Damage
• Sprinkler Leakage
• Bursting and/or Overflowing of Water Tanks, Pipes and Apparatus
• Landslide / Subsidence
• Spontaneous Combustion
• Robbery / Burglary

In addition, the Fire Policy can be broadened to include, among others, the following special conditions:

• Automatic Increase / Capital Additions Clause
• Professional Fees Clause
• Fire Fighting Expense Clause
• Debris Removal Clause

Kenwal.biz as affiliatesoffers under the Fire Insurance line the following products:

• Basic Fire / Lightning Insurance (with or without Allied Perils)
• Industrial All Risks Insurance
• Business Interruption and / or Consequential Loss Insurance
• Rent / Rental Value Insurance

Should you wish to have your property insured under our Fire Insurance, contact our assigned property underwriter. An ocular inspection of the property to be insured will be conducted to provide the underwriter the proper description of the risk and to apply the appropriate rate. For any inquiries, call Lito Radam at 09153466648 and (032)-4246760 or email: lito@kenwal.biz