Property & Fire Insurance
Protection for What You Own
Fire, storms and theft do not wait. Crux helps you choose cover for your home, your building or your business.
Which property cover fits you?
Complete the sentence: choose one option in each menu.
| What is included | Building | Contents | Extended |
|---|---|---|---|
| Fire and lightning damage | |||
| Damage to the structure | |||
| Furniture, appliances and belongings | |||
| Theft and break-ins | |||
| Typhoon, flood and earthquake | With an extension | With an extension |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your property cover ?
Building cover
Covers the structure of your home or building against fire, lightning, explosion and similar damage, and pays to repair or rebuild after a covered loss.
Contents cover
Covers furniture, appliances, belongings and business stock inside the building against fire and theft.
Extended cover
Adds natural events such as typhoon, flood and earthquake, which a standard policy usually does not include unless you ask for it.
The sum insured
The most the policy can pay. Set it to what it would cost to rebuild and replace, not to the market price of the property.
Your mortgage and your bank
Lenders usually require property cover while you still owe them, and are named on the policy for the amount you borrowed.
Shops and business premises
Offices, shops and stock can be covered too. Tell the advisor what you keep on site and how it is protected.
Three reasons to cover your property
A typhoon, an electrical fire or a break-in can cost more than most households have set aside.
A lender usually requires property cover on a mortgage, for at least the amount you borrowed.
Insurance pays to repair or replace, so a loss does not turn into a debt.
If you need to claim
A loss at home is stressful. These steps keep the claim simple, and Crux stays with you.
Set the right amount once
Crux helps you choose the cover, set the amount so it matches the real cost of rebuilding, and stays with you if a claim is ever needed.
First step
Make it safe, then tell your advisor
Protect what is left, then message Crux. We explain what happens next and what the insurer will ask for.
Second step
Document the loss
Photos, a list of what was damaged and, where needed, a fire or police report. We tell you exactly which ones.
Third step
Follow the claim together
We help submit the claim and follow it with you until the decision.
Consult our recommended guides
Short, plain answers to the questions owners ask before they buy.
- Read the guide
Types of insurance
The main kinds of cover, what each one does and who it is for.
- Read the guide
Avoiding insurance scams
How to check an advisor and a policy before you pay.
- Read the guide
Business and group cover
Cover for premises, staff and the people who run the business.
- Read the guide
Personal accident
A benefit for injury, often taken alongside property cover.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Fire and property cover protects what you own against the events it names. It usually does not cover:
- Flood, typhoon and earthquake damage, unless you add them.
- Wear and tear, and damage that builds up slowly.
- Deliberate damage by you.
- Valuables above the stated limit, or items you did not declare.
- Loss of income while you cannot operate, unless business interruption is added.
- War and similar events.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers about property and fire cover.
Banks commonly require it. Check your loan terms.
Building cover protects the structure. Contents cover protects what is inside it. You may need one or both.
Yes. Ask what the building's master policy already covers, and cover the rest.
Basic fire cover often does not. These risks are usually added as an extension, so check the wording.
It should reflect what it would cost to rebuild or replace, not the market price of the land. An advisor can help you estimate it.
Keep everyone safe, take photos, secure the property, and tell your insurer or advisor promptly. Keep receipts for urgent costs.
Property and fire
Protect your home and your business.
A licensed advisor goes through fire and property cover for what you own and the risks that matter to you.