Fire and Miscellaneous Risks Insurance

Fire and Miscellaneous Risks Insurance

Fire and miscellaneous risks insurance protects real estate and personal property against several types of damage. It is often taken out by individuals, businesses, merchants, and institutions.

Main risks covered:

  • Fire (of accidental, electrical, or criminal origin)
  • Explosion
  • Water damage
  • Lightning
  • Theft or attempted theft
  • Natural disasters (according to the terms of the contract)
  • Broken windows or signs
  • Civil liability of the owner or occupant

This insurance can concern:

  • A dwelling
  • A trade
  • A warehouse
  • A company or an office
  • A school or an institution

It allows for the compensation of damages suffered or caused to third parties, and to guarantee a continuity of activity or life after a disaster.

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