Fire And Other Perils / Householder’s Policy

The policies cover different types of perils. They are offered for dwelling houses

Covers:

  • Fire
  • Thunder
  • Explosion
  • Impact of vehicle
  • Bursting of pipes
  • Earthquake
  • Storm, tempest, flood
  • Aircraft impact
  • Riot and strikes
  • Malicious damage
  • Burglary

The Policy covers any loss or damage to the buildings or contents of the insured if there is a violent entry or exit of the premises.

 

Household Comprehensive

Covers:

  • Fire, lightning or subterranean fire
  • Thunderbolt
  • Explosion
  • Impact of vehicle
  • Bursting of pipes or overflowing of a water tank
  • Earthquake
  • Storm, tempest, flood
  • Aircraft impact
  • Riot and strikes
  • Malicious damage
  • Theft by actual, forcible and violent entry to or exit from the Building
  • Loss of rent or alternative accommodation
  • Loss of or damage to servants' property
  • Public liability
  • Death of the insured as a result of fire or caused by thieves

 

Additional coverages depending on the selection package

 

Bush Fire

Fire caused by Short Circuit

Smoke from Fire

Accidental Leakage of Water or Domestic Oil

Cost for locating the cause of water leakage

Cost of lost Water or Domestic Oil

Alternative Accommodation

Architects’ and Surveyors’ Fees

Debris Removal

Accidental Breakage of Mirrors

Personal Accident (For the Insured and husband/wife)

Foodstuffs, Drinks and other Supplies

Money

Contents in the Open

Accidental Damage to External Aerials and Security Systems

Accidental Fall of:

(a) Trees, excluding loss or damage caused by lopping

(b) Electric or telecommunication poles

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