1. Absolute or registered owner or property;
2. Part-owner or joint owner of property;
3. Mortgagor or mortgagee;
4. Lessor or Lessee, or;
5. Bailee - to whom the property is entrusted.

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1. Residential - Buildings used primarily as dwelling units, townhouses and condominiums;
2. Warehouse - Buildings/Structures used as storage of goods or Merchandise;
3. Industrial - Buildings/Structures occupied mainly as workshop, Factories and mills;
4. General - Building/Structures used as school, churches, offices, hospital, cinemas, restaurants, department stores, shopping malls and the like;

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1. Buildings (Completed or Under Construction)
2. Contents
3. Stocks in Trade, Goods and Merchandise;
4. Machinery, Equipment, spare parts, accessories and tools;
5. Business and Household Appliances, utensils, furniture, fixtures and fittings

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1. Earthquake

     - Earthquake Fire - covers the insured against direct loss or damage cause by Fire following an earthquake.

    - Earthquake Shock - covers other direct loss or damage resulting from an earthquake

2. Typhoon - covers loss or damage to insured property/ies cause by Typhoon. It shall be understood to mean as Typhoon or Storm as recorded by the Weather Bureau (PAGASA).

3. Flood - cover loss or damage caused by flood. It shall be understood to mean as entry of water into the insured premises due to inundation of land not usually                  covered by water.

4. Extended Coverage

      - Smoke - covers loss or damage due to sudden, unusual faulty operations of any heating or cooking unit when connected to the chimney by smoke pip/vent in the premises excluding smoke from fire places or industrial apparatus.

     - Explosion - covers loss or damage due to explosion except loss or damage to pressure vessels from their own explosion and centrifugal force of rotating machinery.

     - Aircraft and Vehicle Impact - covers loss or damage due to physical Contact or impact of an aircraft of vehicle, including falling Objects from aircraft.

5. Riot, Strike and Malicious Damage- covers loss or damage directly Caused by:

     - Strikers and locked our worker;

     - Persons disturbing the place, and;

     - Lawful authorities acting to suppress the disturbance.

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