Fire & Allied Perils Insurance (F&AP) / Property All Risks Insurance (PAR).

It is the most popular, widely ranged and the highly demanded insurance type, to cover different types of property (Industrial, commercial and individual interests), against any physical loss or damage to the property resulting from or arising out of the covered perils as detailed hereunder.

1-     Accidental physical loss or damage (for property all risks insurance only)

2-     Fire and/or Lightning.

3-     Explosion.

4-     Earthquake.

5-     Storm, tempest and flood.

6-     Impact.

7-     Aircraft.

8-     Strikes, riots and malicious damage.

9-     Bursting of pipes and overflowing of water tanks.

10- Sprinklers leakage.

11- Land slide and land slip.

12- Burglary.

Cover also could be extended to include :

1-     Fire extinguishing costs.

2-     Professional's fees.

3-     Removal of debris.

4-     Loss of profit following fire & allied perils.

The insured liability towards landlord, neighbors (resulting from the occurrence of covered peril)

Comprehensive Households Insurance.

From our belief that houses are the most important property and from its importance of being the core of our society, we believe that it should be protected from risks that may shake its stability.

So, we in Jerusalem Insurance are ready to provide householders with the comprehensive cover for their homes building and contents against any physical loss or damage arising out of the following perils :

1-     Fire or Lightning. .

2-     Explosion.

3-     Bursting, breakage or overflowing of water tanks, water apparatus or water pipes resulting from a sudden and accidental cause.

4-     Storm or Tempest (whether accompanied by rain or not) which results in damage to the Building or Contents provided.

5-     Burglary or Housebreaking or any attempt thereat following upon forcible and violent entry into or exit from the Building.

6-     Impact with Buildings, Boundary Walls, Fences or Gates by any Road Vehicle.

7-     Earthquake.

8-     Falling of Aircrafts and/or Articles dropped there from.

9-     Flood.

10- Malicious damage; Strikes and Riots followed by malicious damage.

In addition to the cover of the buildings and contents of the house, this type of insurance will provide other FREE covers, which is :

Loss of rent

This Section covers Loss of Rent in respect of the Insured's Private Dwelling or Flat and reasonable additional expenses necessarily incurred at a Hotel or Alternative Accommodation in consequence of the said Private Dwelling being so damaged by any of the perils covered under this policy as to be rendered uninhabitable but only in respect of the period necessary for reinstatement and not exceeding in the aggregate (10%) ten pct. of Contents Sum Insured or JD. 5,000. - whichever is less.

Public Liability

This Section indemnifies the Insured as owner or occupier of the Private Dwelling or Flat against such sums as the Insured shall become legally liable to pay in respect of accidents happening during the period of Insurance in the Private Dwelling or flat resulting in:

1- Bodily injury to any person not being a member of the Insured's family or household nor at the time of sustaining such Injury engaged in the service of the Insured.

2- Damage to property not belonging to or in the charge or under the control of the Insured or of a member of his family or household or of a person in his service. .

Provided always that the amount payable hereunder in respect of anyone accident or series of accidents constituting one occurrence shall not exceed the sum of JD.5,000. - Inclusive of the costs and expenses incurred with the Company's consent in the defense of any such claim.

Compensation for death of the insured.

This Section covers fatal injury to the Insured and the wife or husband of the insured occurring in his Private Dwelling or flat occasioned by any peril covered under this policy in which case the Company will pay under this section during any period of Insurance the Sum not exceeding JD. 10,000. - or one half of the full value of the contents as declared whichever is the less, Provided death ensues within three calendar month of such injury.

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