Houseowners Householders

This insurance covers your home (the building) and contents against fire or other perils under a single policy.


  • Fire, lightning, thunderbolt, subterranean fire.
  • Explosion.
  • Aircraft and other aerial devices and/ or articles dropped therefrom.
  • Impact with any of the buildings by any road vehicles or animals not belonging to or under the control of the Insured or any members of his family.
  • Bursting or overflowing of domestic water tanks, apparatus or pipes, excluding:
    1. in respect of each and every loss the amount stated in the policy schedule.
    2. destruction or damage occurring while the Private Dwelling House is left untenanted.
  • Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt thereat.
  • Hurricane, cyclone, typhoon, windstorm.
  • Flood but excluding loss or damage caused by subsidence or landslip.
  • Earthquake, volcanic eruption.