In this insurance, the basic coverage is Fire, Lightning and Explosion, meaning:
Fire: due to the direct action of fire as a result of combustion itself and/or short circuit or due to fire produced in the place where the insured property is located.
Lightning: by the direct action of natural electrical discharges on the property subject to insurance.
Explosion: due to an internal or external explosion that affects the insured property.
The Insurer will extend the Fire, Lightning and Explosion coverage to damage caused by any means used to extinguish or prevent the spread of the damage.
Additional coverage: Cyclone, Tornado, Hail, Windsock, and Aero-avalanches, Damages due to Acts of Malicious Persons, Falling Objects and Aircraft, Vehicle Impacts and Smoke, Flood, Spontaneous Combustion, Earthquake, Water Damage, Building Collapse, Construction or Demolition of Adjacent Buildings, Landslides, Theft, Civil Liability, Debris Removal, High-Risk Properties, Machinery Breakdown, Decomposition of Products in Refrigerators.
As objects of this insurance service are:
Residential Sector: It will provide financial protection to private properties, understood as real estate and contents, for fire and requested coverage.
Non-Residential Sector: It will provide financial protection to the real estate and the contents of the Industrial Sector as well as the Agricultural Sector, for which the buildings (warehouses and others), linked to the latter sector will be part of this insurance, protecting against fire as well as the additional ones requested.
Facilities for Protected Crops.
Tobacco in Cure or Burn.