Who it is for
- Homeowners and landlords
- Businesses with buildings, stock, fixtures, or equipment
- Organizations that need property protection against named perils
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General Insurance / Property
Fire & Special Perils
Cover for buildings and contents against fire, lightning, explosion, and listed special perils such as flood, storm, and malicious damage.
Coverage file
An advisor can help you confirm the limits, terms, conditions, and exclusions that apply to your situation.
General Insurance/Property
Get a quote Coverage snapshot
What this cover can help address.
Use this summary as a starting point. A policy's full terms, limits, exclusions, and conditions should guide the final decision.
- Private dwellings and business premises
- Buildings and contents
- Consequential loss of gross profit, wages, and auditors' fees
Start a quote and an advisor can help collect the details needed for the next step.
Get a quoteCover highlights
- Fire, lightning, and explosion where covered by the wording
- Special perils such as flood, storm, impact, or malicious damage when selected
- Business interruption extensions where arranged
Helpful documents
- Property address and use
- Estimated building and contents values
- Ownership or tenancy details
- Previous loss history where applicable
Claims and conditions
Know what to keep ready before there is a loss.
Claims guidance
Report the loss quickly, protect undamaged property, take photographs before cleanup where safe, and keep fire service, repair, inventory, and purchase records.
Important limitations
- Only listed perils and selected extensions are covered.
- Underinsurance can affect claim settlement.
- Wear and tear, gradual deterioration, and excluded causes are not substitutes for maintenance.
Product questions
Common questions about Fire & Special Perils.
What is Fire & Special Perils Insurance?
It is property insurance for buildings and contents against fire and selected named perils such as storm, flood, impact, or malicious damage.
Can fire insurance cover business interruption?
Business interruption or consequential loss can be discussed as an extension, depending on the policy arranged.
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