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