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Fire Insurance & Extension

Basic Cover


The basic fire policy covers loss of or damage to residential or commercial building, furniture, fixtures and fittings caused by or arising from:

Damage by fire & lightning
Damage by explosions of domestic boiler or domestic gas cylinder not forming part of a gas work
Damage by water or other extinguishing agents used to put out the fire
Damage resulting from gaining access to a fire
Smoke damages caused by fire



Interest Insured


Items that can be insured are:

pic_dot Building, renovation
pic_dot Furniture, fixtures and fittings
pic_dot Office equipment, plant, machinery and utensils
pic_dot Stock in trade
pic_dot Rent
pic_dot Removal of debris
pic_dot Professionals fees

Personal Effects & Household goods



Premium & Extension


The basic premium is calculated based on a standard fire tariff rate prescribed by Persatuan Insurans Am Malaysia (PIAM) and is affected by the class of construction of the building, trade carried out at the premise and sum insured.

At an additional premium, the basic policy can be extended to cover loss of or damage to caused by and not limited to the following:

pic_dot Riot, strike and malicious damage;
pic_dot Explosion of boilers and pressure vessels;
pic_dot Impact damage by own vehicles and third party vehicles;
pic_dot Aircraft Damage;
pic_dot Bursting and / or overflowing of water tanks apparatus and pipes (excluding sprinkler system);
pic_dot Bush / Lalang Fire;
pic_dot Spontaneous combustion;
pic_dot Storm and Tempest;
pic_dot Flood;
pic_dot Earthquake and volcanic eruption;
pic_dot Damage by falling trees or branches and object there from;

Sprinkler leakage



Insurance Offer Company


Kurnia Insurance, Tokio Marine and Uni Asia




For the quotation for the above premium, please email the following detail to

Full Name (as per IC), IC No. , Email, Insurance Company Preferred, Type of Coverage.

A quotation will be reply in one working day

Premiums will vary depending on the details of your policy such as type of coverage, and additional benefits.




Premium Offers and Disclaimers


pic_dot Premium Coverage may differ for different insurance company for more detail, check the link below.


Kurnia Insurance Fire Insurance Premium and Coverage - Click Here


Allianz Fire Insurance Premium and Coverage  - Click Here


Tokio Marine Fire Insurance Premium and Coverage - Click Here