Coverage - SECTION I. Perils


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