All protection
Protection guide · In development
Fire Insurance
Rebuild after fire — premises, stock and equipment.
What it generally protects
- Buildings, shops and warehouses against fire damage
- Stock, goods and equipment destroyed by fire
- Related damage such as smoke, and water used to fight the fire, where included
This is general information. Exact cover depends on the specific policy wording of the insurer providing it.
Who may need it
- Shop owners and market traders
- Manufacturers and warehouse operators
- Homeowners who want standalone fire cover
Why it matters
Fire moves fast and rarely leaves partial losses. For a trader or a family, the difference between reopening and closing permanently is often whether the loss was insured.
What to understand before purchasing
- Whether stock is valued at cost price or retail price
- Fire-safety expectations, such as extinguishers or certifications
- Related perils that are often sold alongside fire cover
- The records needed to prove ownership and value of what was lost