MIRCS INSURANCE BROKERS
House No.28 Nalubutu Road, RhodesPark info@mircsinsurance.com

Office Address

  • House No.28 Nalubutu Road, RhodesPark
  • info@mircsinsurance.com
  • +260950080748

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Fire Insurance

Cover for buildings, stock, machinery and office contents against fire, lightning and explosion, so that one spark does not undo years of work.

Fire Insurance
Why it matters

One spark can destroy. The right cover restores.

Fires are sudden and rarely small. A shop, warehouse, office or home can be lost in an evening, along with the stock and equipment inside it.

MIRCS fire insurance is one of our core non-motor products. We assess the premises, place the risk with an insurer that understands local conditions and manage the claim so you can repair or rebuild without crippling your finances.

What it covers

Who it is for

Protection sized to your premises

Homeowners & landlords

Cover the structure and contents of a family home or rental property, with optional cover for outbuildings and walls.

Shops & offices

Protect stock, fittings, computers and documents, and add business-interruption cover so income continues while you rebuild.

Warehouses & industry

Higher-value cover for factories, storage and processing plants, including machinery and raw materials.

How it works

Covered in four simple steps

No forms to decode and no insurer jargon. You talk to one person at MIRCS who does the comparing, the negotiating and the chasing for you.

Fire Insurance
Step 1

Tell us what you need

Call, WhatsApp or fill in the form. A broker responds within one working day.

Step 2

We compare the market

We obtain quotes from several licensed insurers and explain the differences in plain language.

Step 3

You choose, we place it

Pick the option that suits your budget. We handle the paperwork and issue your cover note.

Step 4

We stay with you

Renewal reminders, policy changes and claims are handled by your own account handler.

Good to know

Fire insurance questions, answered

Still unsure? Ask a MIRCS broker directly – there is no charge for advice.

Fire insurance covers the specific perils of fire, lightning and explosion. A broader property policy adds storm, flood, burglary and other risks. We help you decide which combination suits your premises and budget.

Yes. Tenants can insure their own contents, stock and improvements, while the landlord insures the building itself. We often arrange both sides.

Insurers look at the construction of the building, its use, the value insured, fire-protection measures and claims history. Better protection, such as extinguishers and alarms, usually lowers the premium.

A completed claim form, the fire brigade or police report, photographs, proof of ownership or value and repair quotations. Your MIRCS handler collects and submits these for you.

Ready to get fire cover in place?

Send us the basics today and we will come back with compared quotes within one working day.