What is Fire Insurance?

It covers your property for perils insured under the Indonesian Fire Insurance Standard Policy:

  • Fire
  • Lightning
  • Explosion
  • Impact of falling aircraft
  • Smoke

What it covers

In line with the Indonesian Fire Insurance Standard Policy, coverage extends to:

  • Riot
  • Strike
  • Malicious damage (RSMD)
  • Civil commotion as per DAI (Dewan Asuransi Indonesia)
  • Earthquake
  • Fire
  • Removal of debris
  • Landslides / landslips
  • Typhoon, windstorm, flood and damage by water
  • Smoke and vehicle impact
  • Explosion following earthquake, volcanic eruption, Tsunami (separate policy)
  • Business interruption (separate policy)

Key coverage

Here is an overview of your coverage:



Loss of or damage to property directly caused by

  • Negligence or wrongdoing
  • Spreading of fire or heat
  • Short-circuit
  • Fire spreading from nearby object
  • As a consequence of devices used to fight or extinguish the fire



Damage directly caused by lightning



Arising from property insured

Impact of falling aircraft

Impact of falling aircraft

Impact of falling aircraft covered is any physical contact of an aircraft with the property



Arising from the burning of the property insured

How much is my premium?

Your premium may vary, depending on

  • Occupancy
  • Age of facility
  • Region
  • Stage of construction
  • Other factors

Download our brochures under Product literature

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What we don’t cover

Accidental loss of or damage to property and or interests insured caused by:

  • Burning of property by order of any Public Authority
  • Subterranean fire, pollution or contamination
  • War, civil war and any act of terrorism
  • Radioactive and nuclear energy risks
  • Date recognition
  • Property damage to data or software
Note: This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This is general information and is not an insurance contract/agreement. Detail terms and conditions will be referred to the policy. It is crucial that you read and understand the policy's terms and conditions well.

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