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Premium Rates |
Premium Rates of Philam Home and Contents
Fire Insurance
Fire and Lightning: Building
Annual premium including documentary and taxes
are as follows:
|
Value |
Zone 1
Class A |
Zone 1
Class B |
Zone 2
Class A |
Zone 2
Class B |
| 500,000 |
561.18 |
1,259.22 |
1,321.29 |
2,094.12 |
| 750,000 |
841.51 |
1,888.57 |
1982.19 |
3,141.18 |
| 1,000,000 |
1,121.85 |
2,517.93 |
2,642.58 |
4,188.24 |
| 1,250,000 |
1,402.69 |
3,147.79 |
3,303.48 |
5,235.30 |
| 1,500,000 |
1,683.02 |
3,777.15 |
3,963.87 |
6,282.36 |
| 1,750,000 |
1,963.36 |
4,406.50 |
4,624.77 |
7,329.42 |
| 2,000,000 |
2,243.70 |
5,035.85 |
5,285.16 |
8,376.48 |
| 2,500,000 |
2,804.88 |
6,295.08 |
6,606.45 |
10,470.60 |
| 2,750,000 |
3,085.21 |
6,924.43 |
7,267.35 |
11,517.66 |
| 3,000,000 |
3,365.55 |
7,553.79 |
7,927.74 |
12,564.72 |
| 3,250,000 |
3,646.39 |
8,183.65 |
8,588.64 |
13,611.78 |
| 3,500,000 |
3,926.72 |
8,813.01 |
9,249.03 |
14,658.84 |
| 3,750,000 |
4,207.06 |
9,442.36 |
9,909.93 |
15,705.90 |
| 4,000,000 |
4,487.40 |
10,071.72 |
10,570.32 |
16,752.96 |
Fire and Lightning: Contents
Annual premium including documentary and taxes
are as follows:
| Value |
Zone 1
Class A |
Zone 1
Class B |
Zone 2
Class A |
Zone 2
Class B |
| 200,000 |
249.30 |
503.59 |
586.11 |
837.65 |
| 300,000 |
373.95 |
755.63 |
879.16 |
1,256.47 |
| 400,000 |
498.60 |
1,007.17 |
1,171.71 |
1,663.08 |
| 500,000 |
623.25 |
1,259.22 |
1,464.76 |
2,094.12 |
| 600,000 |
747.90 |
1,510.76 |
1,757.82 |
2,512.94 |
| 700,000 |
872.55 |
1,762.80 |
2,050.87 |
2,931.77 |
| 800,000 |
997.20 |
2,014.34 |
2,343.42 |
3,350.59 |
| 900,000 |
1,121.85 |
2,262.39 |
2,636.47 |
3,769.42 |
| 1,000,000 |
1,246.50 |
2,517.93 |
2,929.53 |
4,188.24 |
| 1,200,000 |
1,495.80 |
3,021.52 |
3,515.13 |
5,025.89 |
| 1,400,000 |
1,745.10 |
3,525.10 |
4,101.24 |
5,863.54 |
| 1,600,000 |
1,994.40 |
4,028.69 |
4,686.84 |
6,701.18 |
| 1,800,000 |
2,243.70 |
4,532.27 |
5,272.95 |
7,538.83 |
| 2,000,000 |
2,493.00 |
5,035.86 |
5,858.55 |
8,376.48 |
Optional Peril (Extended Cover)
Building/Contents (annual premiums apply to either Building or Contents or
both)
| Value |
Extended Cover |
Value |
Extended Cover |
| 200,000 |
24.63 |
900,000 |
111.09 |
| 250,000 |
31.17 |
1,000,000 |
123.15 |
| 300,000 |
37.20 |
1,500,000 |
184.98 |
| 400,000 |
49.26 |
2,000,000 |
246.30 |
| 500,000 |
61.83 |
2,500,000 |
308.13 |
| 600,000 |
73.84 |
3,000,000 |
369.45 |
| 700,000 |
86.46 |
4,000,000 |
492.60 |
| 800,000 |
98.40 |
5,000,000 |
615.75 |
Note: The premium shown here for fire and lightning
coverage will apply provided:
-
House and/or contents are used for
residential purpose only.
-
There are no adjacent or adjoining buildings
within 3 meters for Zone 1 and 7 Meters for Zone 2 which are of
commercial nature or hazardous occupance or buildings of lower
type of construction, i.e. timber building.
If your property does not meet any of the above
conditions, please contact the Personal Lines Department at Tel. no.
817-3001 and ask for a quotation.
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