This class of insurance provides protection to the homeowners/tenants against loss or damage to the private dwellings/buildings; household goods and personal belongings.It consist of the following sections:

Section A - Buildings

Covers the residential buildings including domestic out buildings landlords fixtures and fittings, walls, gates and fences all on the same premises. The scope of cover under this section includes fire and lightning, thunderbolt, earthquake or volcanic eruption flood or overflow of water, subterranean fire, explosion, riot and strike, aircraft or other aerial device, bursting or overflowing of water tank apparatus or pipe, theft accompanied by actual forcible and violent breaking into or out of the premises, impact with the buildings by any road vehicle or animal not belonging to the insured or any member of his family normally residing with him, storm or tempest including flood. The policy can also be extended to cover additional expense of alternative accommodation and loss of rent in the event of the buildings being rendered uninhabitable by any of the perils covered.

Section B - Contents

Covers household goods and contents against the perils listed under Section A -  with the following extensions

  1. Loss of or damage to buildings and landlords fixtures and fittings. 
  2. Temporary removal
  3. Additional expense as alternative accommodation and loss of rent.

Section C - All Risks

Covers loss or damage to property due to fire and allied perils, burglary or accidental damage. This section extends to cover effects when in transit or outside the insured's premises subject to geographical limit as specified in the policy.

Section D – Work Injury Benefit Act Insurance

Provides cover to the insured in respect of liability/liabilities arising from injury or death to domestic servants while in the cause of their duties. The limits of compensation are as set out in the Work Injury Benefits Act, 2007. 

Section E & F - Occupiers and Personal Liability

Indemnifies the insured against liability at law to pay compensation in respect of accidental bodily injury (including illness) and damage to a third party property excluding insured's family and members of his household.

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