House insurance ensures that your dream home is protected against risks that could endanger your property and family. It provides coverage for incidents such as fire and lightning and can be extended to include damages caused by natural disasters like floods, earthquakes, volcanic eruptions, tsunamis, and typhoons.
Protect your dream home, personal belongings, and family from unexpected risks. Standard Insurance House Protect offers comprehensive home insurance in the Philippines against fire, typhoons and earthquakes, burglary, and third-party liabilities.
Standard Insurance House Protect is an all-in-one home and property insurance plan crafted to safeguard your house against property destruction, natural disasters, theft, and legal liabilities. The product is designed for eligible homeowners, landlords, and residential tenants, with coverage based on each insured person’s property interest.
It helps reduce the financial impact of covered property damage, liability claims, and other insured events so as not to compromise the family’s financial stability or safety.
House Protect provides multi-layered property insurance protection tailored to Philippine homeowners and renters:
Protect your home structure and contents against major hazards such as fire, typhoons and earthquakes, fire and lightning.
Core coverage for structural damage caused by fire or lightning strikes.
Covers physical damage caused by vehicle impacts, smoke, internal/external explosions, and falling aircraft.
Optional coverage extensions for major Philippine weather hazards, including typhoons, floods, earthquakes, volcanic eruptions, and tsunamis.
Covers property destruction caused by civil disturbances or malicious third-party acts.
Financial protection against stolen contents, personal property loss, or structural break-in damage.
Provides coverage for eligible sudden physical loss or damage caused by bursting or overflowing of specified water tanks, pipes, or plumbing apparatus.
Provides coverage for eligible legal liability arising when an accidental incident at the insured residence causes bodily injury or property damage to a third party.
*Note on Third Parties: Covers any person other than the policyholder, immediate family members residing in the home (up to the second degree of affinity or consanguinity), and domestic household staff.
If a covered peril (such as a fire,flood, or typhoon) renders your home unliveable, this benefit reimburses actual expenses sustained for alternative temporary accommodations or cover the loss of rental income for property owners.
May extend 24/7 personal accident protection to you, your immediate family, and your live-in household helpers. Provides cash benefits for accidental death, permanent disablement, medical expense reimbursement, and emergency burial assistance.
Yes. Standard Insurance House Protect can be extended to include comprehensive Acts of Nature (AON) coverage, protecting your property against damage caused by earthquakes, severe typhoons, flooding, volcanic eruptions, and tsunamis.
Yes. House Protect provides coverage for both owner-occupied houses and rented residential properties, safeguarding personal liability, home contents, and family personal accident coverage.
If your house becomes uninhabitable due to a covered event (like a fire or major flood), the policy covers the necessary expenses for temporary housing or compensates landlords for lost rental income.
Yes. The Family Personal Accident extension explicitly includes live-in household helpers, covering medical treatment, disability, and accidental injury expenses.
Making sure your property is insured for an appropriate value is important.
Understanding key policy aspects—from property valuation limits to potential coverage gaps—helps you choose the right protection.
Landline: +632-8845-1111
Email: teamonline@standard-insurance.com
Branch Network: Visit any Standard Insurance branch nationwide