Home Insurance

House Insurance

Scope of Cover

This is an all-inclusive insurance policy that provides cover to the Private dwellings (house) against loss or damaged caused by fire, lightening, explosion, riots, civil commotion, earth quake, storm, house break-in and tempest.

Property Insured

Property covered under this policy will include ; Main Structure, sub structures, tank, tank stand, pipes, water pumps and any other items included on the list provided by the home owner.

Additional Benefits

Loss of rent income cover, death cover as a result of fire, or violence by thieves (Property Owner’s Liability).

Policy exclusions

This insurance policy will not cover for loss or damage caused by the following:

• Subsidence or landslide.
• War-like perils. e.g Air Strickes
• Radioactive contamination.
• Insurance of houses meant for commercial activities.

### Premium Payment

Premiums are paid annually and in full at the beginning of the insurance period, however a variety of payment options are available (talk to us and find out more).

Claims Service

Claims must be reported immediately the incident occurs and the following documentation must be provided their after:

• Fully completed claim form.
• Copy of the certificate of insurance.
• Police report where applicable.
• Fire Brigade report in case of fire Incidents.

House Contents Insurance

Scope of Cover

This policy protects against loss and/or damage to house contents as a result fire, theft, explosion, riots, civil commotion, earth quake, storm, house break-in and tempest.

Property Insured

Property covered under this policy will include electronic equipment (Television sets, fridge, camera, radio, stove, washing machine etc.) and non- electronic equipment (furniture and personal effects such as jewellery).

Policy exclusions

This insurance policy will not cover loss or damage caused by the following:

• Property belonging to the servants.
• Money, cheques, promissory notes etc.
• Motor vehicles and accessories.
• War and war-like perils (Risks).
• Premium Calculations.

### Premium Payment

Premiums are paid annually and in full at the beginning of the insurance period, however a variety of payment options are available (talk to us and find out more).

Claims Service

Claims must be reported immediately the incident occurs and the following documentation must be submitted.

• Fully completed claim form.
• Copy of the certificate of insurance.
• Police report where applicable.
• Police report where applicable.
• Fire Brigade report in case of fire Incidents