Householder Insurance

Owners of buildings or tenants can purchase this policy. This policy is designed to cover both building & the contents of private dwellings against risk of Fire & Special Perils, All Risks, Personal Liability against claims from visitors and third parties arising from the Insured’s negligence or omission, Burglary & Housebreaking or attempted threat, Public Liability & Personal Accident.

For a Homeowner: This insurance cover is designed to cover both building & the contents of private dwellings.

For a Tenant: This insurance cover is designed to cover only the contents of private dwellings.

Contents include: Furniture, household utensils, kitchen electrical goods, personal effects and valuables.

Risks Insured Against:

• Fire & Special Perils (Earthquake, Storm (other than gates and fences), Subsidence, Burst pipes, Impact from vehicles, falling trees, animals, aircraft, aerials and masts, Earthquake, Smoke, Oil or water leakage),
• Theft, Burglary & Housebreaking or attempted threat,
• Public Liability
• Personal Accident
• Vandalism/malicious damage
• Lightning

An accurate inventory of contents of private dwellings with proof of ownership should be made at inception of the Policy so that at the time of a loss claim settlement will be easier and faster.

Please find below details of insurance cover and benefits:

Buildings
Provides indemnity (compensation) for loss or damage to the building, landlord fittings fixtures arising from Fire and Special perils such as Lightning, Explosion, Flood, Storm, Tornado, Earthquake, Aircraft, Impact, Bursting and Overflowing of water tanks, pipes and apparatus. This can be taken up by proposers who own the buildings whether they resides there or not.

Contents
This section provides indemnity for loss or damage to Insureds Household goods and personal effects of every description belonging to the Insured (or for which the Insured is responsible) or to members of the Insured’s family permanently residing with the Insured and fixtures/fittings owned by the Insureds or for which the Insured is responsible not being landlords fixtures or fittings all in the Private Dwelling.