Property Insurance

Protect your property against fire and beyond.

Fire & Allied Perils covers homes, contents, and business premises against fire, lightning, and explosion as standard - with optional allied perils and business interruption extensions.

Get a Quote All Personal Cover

10+

ALLIED PERILS

Personal

& business cover

Who it's for

Personal and business property

Whether you are protecting a home or a commercial operation, Fire & Allied Perils can be tailored to what you need to insure.

Personal cover

Homes and household property

Residential buildings and structures
Household contents
Domestic explosion as standard
Special perils extensions tailored to your home

Business cover

Premises, plant, and stock

Commercial buildings and structures
Plant, machinery, and equipment
Stock and inventory
Optional business interruption extensions

Standard cover

What the basic policy includes

Every fire policy starts here - fire, lightning, and domestic explosion, with the option to extend.

Fire

Damage to your property caused directly by fire, including resulting smoke and heat damage.

Lightning

Direct lightning strikes and the resulting damage to the insured structure.

Explosion (Domestic)

Explosion for domestic purposes - courts have defined this as purposes related to the home.

Allied perils extensions

Broaden your cover

Add any combination of allied perils to tailor your policy to the risks your property faces.

Non-Domestic Explosion

Additional explosion cover beyond domestic use, including gas explosions and industrial perils.

Riot & Civil Commotion

Two levels available: fire resulting from riot, or wider cover including direct riot damage and strikers.

Malicious Damage

Extension of riot cover for deliberate damage by malicious persons - excluding empty buildings.

Storm & Flood

Storm and flood are always granted together - damage caused by windstorm, hail, or rising water.

Earthquake

Fire damage or structural damage resulting from earthquake shocks.

Escape of Water

Damage caused by water escaping from tanks, apparatus, or pipes - excluding buildings not in use.

Impact

Damage caused by collision with a vehicle or animal - including third-party vehicles.

Subsidence & Landslip

Ground movement including subsidence, ground heave after drought, and landslip.

Sprinkler Leakage

Accidental escape of water from automatic sprinkler installations, including mechanical defects.

Subterranean Fire

Underground fire - especially relevant where properties are near mining activity.

Business extensions

Premises, assets, and continuity

For commercial policyholders, optional extensions keep your operation protected beyond physical damage.

Assets covered

Across your premises

Buildings and structures
Plant, machinery and equipment
Stock and inventory
Landlord's fixtures and fittings

Business continuity

Optional extensions

Fire loss of profit / business interruption
Asset all-risks cover
Office comprehensive package
Removal of debris and professional fees

Standard exclusions

What is not covered

All fire and allied perils policies contain standard market exclusions. Some, like riot and civil commotion, can be removed at an additional premium.

War risks and radioactive contamination
Terrorism
Pollution or contamination
Riot or civil commotion (can be removed at additional premium)
Consequential loss (loss of income/use)
Property insured under a more specific policy

How it works

Getting covered in 3 steps

Describe what you are insuring

Tell us about your home, contents, or business premises - buildings, plant, stock, and construction type.

Your broker tailors the cover

Your broker recommends allied perils and, for businesses, extensions such as business interruption and asset all-risks.

Policy confirmed

Cover activates on policy confirmation. Physical damage from covered perils is protected.

Cover starts as soon as your policy is confirmed.

Get a Quote

Frequently Asked Questions

The standard policy covers damage caused by fire, lightning, and domestic explosion. Because this basic cover is quite narrow, most policyholders add allied perils extensions to broaden the protection.