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On average, the Bureau of Fire Protection reports 42 fire incidents in the country per day. Among all other challenges we are facing today, fire is one we don't want to add up to the mix. Thus, installing fire protection systems and securing fire insurance in the Philippines early is a great start.

Earthquakes can strike at any time. These can result in large-scale damages to buildings and other properties. Consequently, a huge impact of earthquakes is fire, and controlling this can be much more difficult than in an ordinary setting. This makes getting a protective fire insurance policy a sensible precaution. Doing so would help cover direct losses and damages from the hazard.

Growing up, we slowly learn about the seriousness of fire safety through the news, our parents, guardians, teachers, and the like. Because of this, many acquire fire insurance in the Philippines later on to be covered in times of disaster.

12345 Popular hotels/best hotels The Lugger, Cornwall The setting for this 17th-century inn could not be better. Sandwiched between the cliffs in the tiny fishing village of Portloe - the fiercely sloping landscape of which has spared it from development - this whitewashed hotel looks out across the harbour. But it is not just about the location - the 22 rooms are as bright and welcoming as the amiable staff, while the food (given its seafront position, fish features heavily) is superb. If you plan to push the boat out, opt to stay in the miniature cottage for something a bit special. Mama Shelter, Paris Cheap but chic, with quirky decor by Philippe Starck, and a buzzing bar and restaurant attracting cool Parisians. Beds feel luxurious; standard extras include Kiehl's toiletries, free Wi-Fi and iMac televisions. The bedside fancy-dress masks are possibly not for everyone, but the price is. Hotel Alpenrose, Wengen, Switzerland This is the best sort of traditional, family-run hotel. You won't find designer furnishings or trappings, but it's a comfortable, well-run three-star set on a plateau at the edge of a pretty Alpine village, with great views over the valley below (opt for a south-facing balcony room). It has a welcoming lounge with log fire, books, games and Wi Fi, friendly owners and staff, and a loyal band of regulars who return year after year to ski or walk in the mountains. Palazzo Zichy, Budapest This elegantly refashioned former Hungarian count's palace is an impressive fusion of 19th-century Habsburg-era elegance and 21st-century (Italian designer) style. Beautiful, spacious lobby; sleek contemporary rooms; a funky sitting room area; and a great location in a wonderfully atmospheric part of Pest. A bargain to boot. The Inn at Narrow Passage, Woodstock, Virginia In the heart of rural Virginia, this beautifully restored and homely colonial inn served as Stonewall Jackson's headquarters during the American Civil War. Bedrooms are charmingly old-fashi