Our Fire insurance Policy

Cover your possessions against loss or damage from fire and other allied perils

Ready To Buy Fire Insurance Allied Risks Policy from Priority Insurance, Get A Quote Now

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Loss of or damage to any vehicle described

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Business Interruption Insurance

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What Our Fire Insurance Allied Risks covers

  • Explosions – Covers domestic explosions and associated fires. This excludes steam generating boilers, economisers or other vessels, machinery or apparatus or their contents resulting from their own explosion or implosion.
  • Windstorms – Covers complete roofed buildings and contents thereof. This excludes partially constructed buildings and goods stored in the open.
  • Earthquakes or volcanic eruptions - Covers against loss or damage caused either by earthquake shock and fire or volcanic eruption.   
  • Burst Pipes - Bursting or overflowing water tanks, apparatus or pipes. 


  • Floods - Covers against severe weather conditions that cause loss or damage due to rapid rise in water levels.
  • Aircraft damage and/or articles - Covers loss, destruction or damage caused by aircraft, other aerial or space devices and articles dropped from them. This excludes those caused by pressure waves.
  • Impact damage - Covers loss of or visible physical damage or destruction caused to your insured property due to impact by any rail/road vehicle or animal by direct contact that is not owned by: 

          - The insured or any occupier of the premises or 
          - Their employees while acting in the course of their employment.


No matter where you live, unexpected events can affect your home and damage the possessions you have inside it. Fill Form Below and an Expert will get in touch

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    Maria Marlin Retired Govt Officer, ON, Canada

    Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

    Maria Marlin Retired Govt Officer, ON, Canada

    Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

    Fire insurance is a type of property insurance that provides coverage against financial losses resulting from fire-related damages or destruction to buildings, contents, or assets. It is essential to protect your property investment from unforeseen fire risks.

    Fire insurance typically covers damages caused by fire, smoke, lightning, explosion, and other fire-related perils. Depending on the policy, coverage may extend to structural damage, contents, inventory, equipment, and additional living expenses in case of displacement.

    Fire insurance can be purchased for various types of properties, including residential homes, commercial buildings, industrial facilities, warehouses, and rental properties.

    Fire insurance is generally not mandatory in Ghana, but it is highly recommended for property owners to safeguard their investments and mitigate financial risks associated with fire damage.

    The premium for fire insurance depends on several factors, including the value and replacement cost of the property, its location, construction materials, fire protection measures, occupancy type, and previous claims history.

    Yes, as a property owner or landlord, you can purchase fire insurance to protect your rented property and its contents against fire-related risks. Tenants may also opt to purchase renter's insurance to cover their personal belongings.

    In the event of a fire loss, notify Priority insurance company immediately and provide detailed information about the incident, including the date, time, location, and extent of damages. Priority Insurance will initiate the claims process, which may involve documentation, assessment of damages, and settlement negotiations

    It is recommended to review your fire insurance policy annually or whenever there are significant changes to your property, such as renovations, additions, or changes in occupancy. Regular reviews ensure that your coverage adequately reflects the current value and risks associated with your property.

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