Three asset groups, the classic loss types and the add-ons – without premium figures, by content. The precise scope of cover differs by insurer: the policy terms always govern.
The base: reinstatement cost – not the market price. For leased premises: who insures what?
The base is a fresh inventory; internal breakdowns are covered by the machinery-breakdown module.
Managing the fluctuation – averaging, limits, periodic increases: the stock article.
| Loss type | Building | Machinery | Stock | Details |
|---|---|---|---|---|
| Fire, explosion, lightning | core | core | core | fire article |
| Storm, hail | core | core | core | storm article |
| Water damage from pipes | core | core | core | water damage article |
| Burglary, robbery | vandalism | core* | core* | burglary article |
| Glass breakage | add-on | – | – | glass article |
| Machinery breakdown (internal fault) | – | add-on | – | machinery-breakdown article |
| Electronic equipment | – | add-on | – | electronics article |
| Flood, inland inundation | with limits | with limits | with limits | honestly |
| Cash, valuables | – | – | separate limit | cash article |
| Away from the premises | – | add-on | add-on | off-site cover |
This table is an informative matrix map, not an offer: the "core / add-on" classification can differ by insurer, and burglary cover (*) is conditional on meeting security requirements – typical requirements. The full exclusions picture: exclusions map.
Property insurance protects the company's own assets. Damage caused to others is the territory of liability insurance – on the boundary: own damage vs. damage caused, in detail: felelosseg.biz. Risks during construction: epites.biz and the borderline-cases article. Vehicles: flotta.biz and the boundaries on your premises. Residential home protection: lakas.biz – with its home-office borderline cases: here. The company's whole portfolio in one place: vallalkozas.biz.
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