COMPREHENSIVE HOMEOWNERS INSURANCE PLANS

Highlights

This policy covers destruction or damage to insured property i.e house, furniture, personal belongings, employer liability to domestic servants and liability to others, valuables and contents.

Perils covered

• Fire, lightning, thunderbolt or subterranean fire.
• Explosion
• Riot and strike
• Malicious damage
• Aircraft or other aerial device or any article dropped therefrom
• Bursting or overflowing of any road vehicle, horse or cattle
• Earthquake or volcano eruption, including flood or overflow of the sea occasioned thereby.
• Hurricane, cyclone, tornado, or windstorm, including flood or overflow of the sea occasioned thereby.
• Flood
• Breaking or collapse of television and/or receiving aerial fittings and master.
• Falling trees or branches
• Smoke
• Collapse due to subsidence and landslide.

Extensions

• Reinstatement Conditions (Buildings)
• New for old condition (Contents)
• Public Liability
• Loss of rent/Alternative accommodation
• Death of the insured (Contents)
• Removal of debris
• Professional fees
• Public authorities clause (Buildings)
• Underground services clause (Buildings)
• Accidental breakage of sanitary fixtures and fixed glass (Buildings)
• Replacement of door locks
• Breakage of mirrors (Contents)
• Accidental loss of credits cards (Contents)
• Loss of freezer contents (Contents)
  loss of Luggage (Contents)
• Contents in Transit
• Garden Equipment (Contents)
• Visitor’s Effects (Contents)