House Owners/ Householders Insurance

House owners/Householders Insurance policy is designed to provide cover for loss or damage to the insured’s (owners or tenants) building, fixtures and fittings, contents, jewelry and valuables, as well as public liability benefits.

What it covers:

This class of insurance is designed to provide cover for expenses and increased cost of working as a result of business interruption following a loss covered by the fire policy. Insurance cover can be taken for the maximum period (Indemnity period) of the anticipated interruption in the event of loss of:

• Loss or damage to the building and its permanent fixtures
• Loss or damage to household contents
• Additional expense of alternative accommodation or loss of rent (if specifically covered)
• Liability to the public as an owner or occupier of the building
• Personal Accident to the insured

Risk Cover

The following risks are covered by this policy:

• Bursting or overflowing of domestic water tanks, apparatus or pipes
• Flood
• Fire, lightning, thunderbolt
• Impact damage caused by any road vehicle not belonging to or under the control of the insured
• Theft caused by forcible or violent breaking into and out of the building or any attempt threat
• The policy may be extended to cover the Insured against any legal fees

Compensations Offered

The following risks are covered by this policy:

• Depending on the property insured, the insurance cover provides compensation equivalent to the market value or the cost of replacement
• In cases where the items insured are susceptible to depreciation, the actual value is offered

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