# FIRE INSURANCE

Fire Insurance with Horizon Insurance: Protect Your Property from the Unexpected

 

Fire Insurance

Unpredictable fire accidents can cause massive financial losses to homes and businesses. Fire Insurance from Horizon Insurance offers complete protection against damage caused by fire, lightning, explosion, and other perils. Whether it’s your home, shop, warehouse, or factory, our fire insurance ensures quick recovery and business continuity after unforeseen incidents.

What Is Fire Insurance?

Fire Insurance is a specialized property insurance policy that provides financial protection against loss or damage caused by fire, lightning, explosion, or related risks. It covers residential, commercial, and industrial properties, ensuring you are compensated for the cost of repair, replacement, or rebuilding damaged assets.

With HORIZON , you receive reliable coverage for your property, equipment, stock, and fittings — so your peace of mind is never compromised.

Why Do You Need Fire Insurance ?

Fires can erupt unexpectedly due to electrical faults, gas leaks, or natural disasters. A single incident can destroy years of investment. Fire Insurance acts as your financial safety net and ensures you can recover quickly.

What Does Fire Insurance Cover?

Inclusions – What’s Covered

Horizon Insurance Fire Policy provides protection against:

Fire and lightning damage

Riots, strikes, and malicious damage

Leakage from automatic sprinkler systems

Temporary removal of stock for safety

Explosions or implosions

Storms, floods, cyclones, and hurricanes

Subsidence, landslides, or rockslides

Impact damage from vehicles or falling trees

Bursting or overflow of water tanks or pipes

Bush, forest, or jungle fires

Exclusions – What’s Not Covered

Fire Insurance does not cover losses caused by:

Deliberate or intentional fire

Electrical/mechanical breakdowns

Losses due to negligence, fraud, or wear and tear

War or nuclear risks

Storms, floods, cyclones, and hurricanes

Long-term unoccupied premises without notice

Pollution or contamination

Theft or burglary (unless opted as an add-on)

Frequently Asked Questions (FAQs)

Fire Insurance covers loss or damage to property caused by accidental fire, lightning, or related perils.

It’s not mandatory by law but highly recommended for homeowners, shop owners, and industries.

Yes, RK Insurance covers buildings, machinery, furniture, stock, and other assets.

Intentional fires, war damage, nuclear risks, and wear-and-tear are excluded.

Claims are assessed by an independent surveyor, and compensation is paid for repair, replacement, or reinstatement.