Because Home is Everything
Your home is one of your biggest investments. Protect it from unexpected events like fire, theft, and natural disasters. HomeFirst insurance covers both your property and valuable belongings.
Because when your home is secure, your family is too.
Key Benefits
Fire & natural disaster protection
Coverage for personal belongings
Theft & burglary protection
Optional coverage for valuable items
Benefits and Coverages:
Fire & Lightning
Covers damage to your home and its contents caused by fire or lightning strikes.
Natural Disasters (Typhoon, Flood, Earthquake)
Provides coverage for damage caused by severe weather conditions and natural calamities including typhoon, flood, and earthquake.
Burglary & Theft
Covers loss or damage to your property and belongings resulting from burglary, theft, or robbery.
Explosion
Covers property damage resulting from accidental explosions affecting your home or its contents.
Vehicle Impact & Falling Aircraft
Covers damage caused by vehicles crashing into your property or falling aircraft and debris.
Home Repairs
Covers the cost of repairs to the structure and contents of your home due to covered events under the policy.
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Frequently Asked Questions:
What is home insurance?
Our home insurance product is called HomeFirst. It provides financial protection against losses or damages to your house and its contents caused by covered events such as fire, typhoon, flood, earthquake, burglary, and more.
What does HomeFirst typically cover?
Coverage usually includes:
• Damage to the structure of your home (building)
• Loss or damage to personal belongings inside the home (contents)
• Home repairs
What risks are commonly covered?
Policies generally cover fire and lightning, typhoon, flood, earthquake, burglary, explosion, vehicle impact, falling aircraft, and more.
Is HomeFirst mandatory?
No, it is not required by law. However, it is highly recommended for financial security. If you have a mortgage, your lender may require it.
How much does HomeFirst cost?
The cost depends on factors like your home’s value, location, construction type, coverage amount, and optional add-ons. It is usually a small fraction of your home’s value.
Can renters get home insurance?
Yes. Renters can get contents insurance to protect their personal belongings inside the rented property.
Does it cover damages due to wear and tear?
No. HomeFirst insurance does not cover maintenance-related issues or gradual wear and tear.
How do I file a claim?
Contact us or your agent as soon as possible after the incident. Provide details of the damage or loss, supporting documents (photos, receipts, police report if applicable), and fill out the claim form. You may also file a claim through this link, https://philfirst.com.ph/fileaclaimpage.php.
Can I adjust my coverage anytime?
Yes, you can request to increase or adjust your coverage, especially after home improvements or purchasing valuable items. Coordinate with your agent or call us at +632 8-892-8888 for endorsement processing.
How long does coverage last?
Policies are typically valid for one year and can be renewed annually.