Personal Insurance » Fire

Fire Insurance
One has to be always prepared for any unexpected turn of events. A small fire can turn into a raging inferno and cause untold destruction and damage. Houses, offices, hotels, shopping malls, factories would be spared if adequate precaution is taken to safeguard them. Al Ahlia’s Fire Insurance policy protects your properties against such contingencies.

What is covered
Losses due to:

• Fire
• Lightning
• Explosion / implosion
• Earthquake
• Storm, Flood, Tempest, Inundation
• Impact of vehicle, animals, aircraft or any aerial device

What is not covered

• Willful misconduct / negligence
• War & allied perils
• Nuclear perils
• Goods held in trust, bullion, unset precious stones, currency, cheques, curio/ work of art in excess of RO 100
• Spontaneous combustion
• Subterranean & forest fire
• Riot, strike civil commotion, acts of terrorism

Basis of sum insured
Sum insured can be fixed on Market value basis or Reinstatement basis.