1. Households
   Covering only properties used for households lost or damaged by fire, lightning, explosion, water damage, vehicle and aircraft.
   
   
2. Others (Exclusive of Households)
   Covering properties lost or damaged by fire, lightning, explosion of gas used for lighting or households.
   
   Apart from the above-mentioned standard coverages the company can extend to other extraneous perils, which the insured can additionally buy, such as, windstorm, hail, smoke, flood coverages, etc.
   

Covering the loss of leasing rights caused by fire, lightning or other perils bought for a leased premises, causing the lease agreement to end and the insured cannot utilize the place as per the period left over.

Covering damage of the whole or a part of the insured premises caused by destruction or damage from fire or other perils bought - causing the insured to lose income from rental.

Covering net profit and / or fixed cost lost by the insured while the property insured is lost or damaged from the perils bought within the policy period and subject to indemnity stipulated in the policy or until the business operations can be restored as if no loss or damage had happened, whichever condition comes first.