Home Insurance (Domestic Package)
The policy provides cover to homeowners against accidental loss
or damage to their property caused by the following perils: Fire & lightning,
storm & tempest, riot & strike, malicious damage, theft, bursting and overflowing of
water tanks, apparatus, pipes and impact by road vehicles and animals, objects
falling from aircraft or aerial device.
This being a package policy, it caters for different insurable
interests in private homes;
Our main products features include:
a.) Building Section
This section covers a private dwelling house including domestic
outbuildings, walls, gates and fences, all on the same premise or flat.
b.) Contents Section
The section caters for furniture, household goods, and personal effects of
the property of the insured or any member of his family normally residing
with him, fixtures
& fittings, the insured’s own or for which he is legally responsible, not
landlord’s fixtures and fittings.
C.) All Risks Section
This section provides cover in respect to specified portable and valuable
which are carried outside the house. Items under this section would include
jewelry, watches, laptops, mobile phones.
d.) WIBA Section
This policy covers domestic servants such as house helps, watchmen,
drivers in respect of injury,
death or disease arising out of and in the course of employment.
The cover is mandatory for all employers as per the Work Injury Benefit Act
e.) Owners’/Occupiers’ Liability Section
This section covers liabilities as a result of death or injury to third
parties and damage to third party
property whilst at the private dwelling house due to the negligence of the
owner or occupier.