The policy provides cover to homeowners against accidental loss or damage to their property caused by the following perils: Fire & lightning, explosion, earthquake, storm & tempest, riot & strike, malicious damage, theft, bursting and overflowing of water tanks, apparatus, pipes and impact by road vehicles and animals, objects falling from aircraft or aerial device.
This being a package policy, it caters for different insurable interests in private homes;
a.) Building Section
This section covers a private dwelling house including domestic outbuildings, walls, gates and fences, all on the same premise or flat.
b.) Contents Section
The section caters for furniture, household goods, and personal effects of every description, the property of the insured or any member of his family normally residing with him, fixtures & fittings, the insured’s own or for which he is legally responsible, not being the landlord’s fixtures and fittings.
C.) All Risks Section
This section provides cover in respect to specified portable and valuable items, which are carried outside the house. Items under this section would include jewelry, watches, laptops, mobile phones.
d.) WIBA Section
This policy covers domestic servants such as house helps, watchmen, gardeners and drivers in respect of injury, death or disease arising out of and in the course of employment. The cover is mandatory for all employers as per the Work Injury Benefit Act (WIBA).
e.) Owners’/Occupiers’ Liability Section
This section covers liabilities as a result of death or injury to third parties and damage to third party property whilst at the private dwelling house due to the negligence of the owner or occupier.
It is a package of insurance policies that provides cover against risks present in your private dwelling. The cover is a combination of both Material Damage & liabilities Liabilities cover. In this regard the following key perils are included:
If you are interested in learning how much this insurance product would cost you, or if you are interested in purchasing this insurance product, please click Get Cover.
If you would like further assistance about this insurance product, please click I Need Assistance.
