The policy provides cover to homeowners against accidental loss or damage to their property caused by the following perils: Fire & lightning, explosion, earthquake, 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 every description, 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 being the landlord’s fixtures and fittings.
C.) All Risks Section
This section provides cover in respect to specified portable and valuable items, which are carried outside the house. Items under this section would include jewellery, watches, laptops, and mobile phones.
d.) WIBA Section
This policy covers domestic servants such as house helps, watchmen, gardeners and 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 Benefits Act (WIBA).
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.
Health insurance is a type of insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalization costs, cost of medicines or doctor consultation fees.
Burial insurance, also called final expense or funeral insurance, is a whole life policy that helps cover the costs of an individual’s final arrangements. It pays for expenses such as the memorial service, casket or urn, and burial or cremation.
Travel insurance is a type of insurance that covers the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad.
A critical illness plan is a policy that pays the insured a lump sum following the diagnosis of an illness covered under the plan. Critical-illness plans often cover diseases like cancer, organ transplant, heart attack, stroke, renal failure, and paralysis, among others. There is no coverage if you’re diagnosed with a disease that isn’t on the specific list for your plan, and the list of covered illnesses varies from one plan to another.
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