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HOME INSURANCE (UNDERWRITING CONSIDERATION FOR HOUSEOWNER'S INSURANCE,…

- - - - All domestic offices, stables
      - garages and outbuildings on the same PREMISES used solely
      - also refer to the FLATS /APARTMENTS
- - - - BODILY INJURY
      - DAMAGE TO PROPERTY
    - - legal costs & expenses recoverable from insured / spouse by any claimant
      - with the insurance company's consent
      - if the building is flat or apartment, the insurer's indemnity restricted to insured's legal liability
    - - all legal costs & expenses which are not incur in / recoverable in Malaysia.
      - ownership, possession or use by or on behalf of insured or spouse of any lift, vehicle etc
      - the carrying out of alterations, additions repair / decorations to the insured's buildings