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Home Insurance

Home Insurance

This all-inclusive insurance policy provides cover to the private property (house) against unforeseen loss or damage caused by fire, lightening, explosion, riots, civil commotion, earth quake, storm and house break-in

House Insurance

The property covered under this policy includes the main structure, sub structures, tank, tank stand, pipes, water pumps, wall fence and any other structures included on the list provided by the home owner.

However, this insurance policy will not cover for loss or damage caused by the following:

  • Subsidence or landslide.

  • War-like perils. e.g Air Strikes.

  • Radioactive contamination.

  • Insurance of houses meant for commercial activities.

House Contents Insurance

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

However, this insurance policy will not cover loss or damage of the following:

  • Property belonging to the servants.

  • Money, cheques, promissory notes etc.

  • Motor vehicles and accessories.

  • War and war-like perils.

Personal Accident Insurance

This policy covers the insured in respect of death or injury following an accident. It is particularly popular with self-employed or professional people who may be off work for a considerable period and will not have any employer to pay their salary or wages in the event of any injury causing temporary or total disablement following an accident.

Travel Insurance

Our Travel Insurance policy provides cover for you during travel outside the country. The policy covers unforeseen incidents within the geographical boundaries of cover and during the prescribed travel duration between the validity dates of the policy. The period of cover shall not exceed 92 consecutive days each travel (except if travelling with the Students Cover).

Benefits of Cover:

  • Medical expenses and hospitalization abroad
  • Covid-19 Cover
  • Emergency dental care
  • Repatriation of mortal remains
  • Loss of passport, driving license, national identity card
  • Compensation for in-flight loss of checked in baggage

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