Home fire insurance
At the request of the insurer, the residential unit, in addition to the risks of fire, explosion and lightning against all of the additional risks mentioned, is covered by arbitrary capital and at the price of the day, and its annual premium based on the value of the building and Home furnishings and insurance risks will be calculated.
Which includes buildings, facilities, property and furnishings of residential buildings, villas, apartments and so on.
The subject of fire insurance is the provision of compensation for financial and material losses caused by the occurrence of a fire hazard to movable or immovable property and immovable property, whether natural or legal persons. Therefore, in the insurance of fire, financial losses are provided, not physical and psychological damage. So, if it hits people, it usually does not cover it.
It should be noted that damage to property of third parties due to the occurrence of a fire which, in accordance with the law, causes responsibility and accountability of the insurer, also bears the risk of fire hazard, or separately from the civil liability insurance policy provided to insurers.
Fire insurance, as in other branches of property insurance, includes the principle of compensation, the rule of succession, the principle of good faith, the rule of insurance and the relative rule of capital and right.
In the field of fire of residential units, the subject of insurance is the building, facilities and home furnishings against fire hazards, explosions, lightning strikes as major hazards, storms, floods, earthquakes and volcanoes, water pipe fractures, rainwater damage and Snow melting, the risk of aircraft and helicopter crashes, and parts of them, sheltering furniture and home appliances, and many other hazards.
Residential units throughout the country can be arranged in the form of individual insurance and insurance in Iran. In group insurances, if the number of residential units covered is more than fifteen units, a ten percent discount is applied at the insurance policy rates.
In the letter of insurance, the usual fire of residential buildings, at the request of the residential unit's insurer, in addition to the risks of fire, explosion and lightning, is subject to any additional risks mentioned above with the desired capital at the price of the day, and the annual fee is Paying attention to the value of buildings and home furnishings and the risks of the insured will be calculated.
• Base coatings (abbreviated as "AESA")
o fire
o thunderbolt
o Explosion
• Additional coatings (exterior)
o earthquake and volcano
o Flood and water flood
o Storm, tornado and storm
o Drainage of water and wastewater pipe
o Wastes from snow and rain
o stealing
o Crash of airplanes, cycles and their belongings
o Break glass for any reason
o Chaos and Blow and Rebellion
o landslides and landslides
o foreign object encounter
o Cleaning cost
o Container rates under pressure
o Falling the well
o avalan collapse
o Risk of falling parts of the car
o The risk of gas leakage in the refrigerator
o Risk of deformation of containers under pressure (if not explosive)
o High snow hazard (This cover is selected if Cover No. 5 (snow and rain) is also selected.)
Residential Fire Insurance Home and Family Sponsor Plan
Due to the terms and conditions contained in the insurance policy, risks may be covered at one of the following levels:
• Fire, explosion, lightning, flood and furniture stolen
• Death damage, member defects and cost of treatment by the insurer and other residents of the place of insurance for the above-mentioned risks.
• The liability of the insurer against third parties arising from the occurrence of fire and explosion hazard at the place of insurance
• The cost of leasing and temporary accommodation of the insurer and his or her family if the risks of fire, explosion, lightning and flood occur
Fire safety insurances of industrial units
Fire insurance factory All industrial centers include all the factories of food, beverage, tobacco, textile, apparel, leather, wood, paper, cardboard, printing and binding, chemical, non-metallic mineral products, basic metals and other industries.
In the fire insurance of the building factory, facilities, machinery, materials, inventory and contents of each of these centers, you can be insured against the risks of fire, explosion, lightning, as well as all the additional risks mentioned in the insurance policy of Iran at the price of the day of insurance. Given that an industrial unit is always at risk with its business, and, as a rule, no experienced manager will be unhappy about one of these risks, since intelligently predicted such events, one of these Accidents that may even occur with the most disastrous safety principles are fire at the plant, which at this time is the only possible pre-extinguishing fire insurance offer.
• Basic factory fire insurance cover (industrial)
Abbreviated as "AESA".
Lightning flash explosion
• Additional coating (contingent) fire insurance factory (industrial)
o earthquake and volcano
o Flood and water flood
o Storm, tornado and storm
o Drainage of water and wastewater pipe
o Wastes from snow and rain
o stealing
o Crash of airplanes, cycles and their belongings
o Break glass for any reason
o Chaos and Blow and Rebellion
o landslides and landslides
o foreign object encounter
o Cleaning cost
o Container rates under pressure
o Falling the well
o avalan collapse
o Risk of falling parts of the car
o The risk of gas leakage in the refrigerator
o Risk of deformation of containers under pressure (if not explosive)
o heavy snowfall
This cover is selected if the snow and rain waste is also selected.
o The financial responsibility for the fire and burst pipe damage to the neighbors
Non-industrial fire insurance
The capital value of buildings and installations, the value of office decoration, and inventory of goods are covered by this insurance policy. Business units, office, welfare, educational, service, and vans
