Home Insurance and Fire Insurance are different, but complementary. Home Insurance covers the content in your home, such as furniture, electrical appliances, refurbishments, and personal belongings. 


Fire Insurance covers the building structure, including walls, windows, ceiling, floor, pipes and the property's original fixtures and fittings. When these are damaged by fire, typhoons/windstorms, explosions, or other covered events, your fire policy will help cover the repair costs.  


Having both types of insurance will give your home comprehensive protection.