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HOUSE OWNER POLICY (UNDERWRITING CONSIDERATIONS FORHOUSEOWNER'S…
HOUSE OWNER POLICY
INTRODUCTION
BASIC FIRE POLICY
HOUSEHOLDER POLICY
HOUSEOWNER POLICY
BUILDING
Dwelling building
not commercial building
fixture & fitting
private building
GENERAL EXCEPTIONS
1
(EXCLUDED PERILS)
war
riot,military or popular uprising
any act of terrorism
*2
(EXCLUDED RISK)*
cessation of work
property by its own fermentation
consequence of or contributed to by nuclear weapon material
*3
(CONSEQUENTIAL LOSS)*
rent insurance
additional expense necessarily insured
PERIOD OF INSURANCE COVERAGE
15 DAYS TO 12 MONTH
INSURED PERILS
SOURCES OF DAMAGE OR LOSS WHICH COVERED BY THE INSURANCE POLICY
SECTION 1=
LOSS OR DAMAGE TO THE BUILDING
All domestic office,stables
garages and outbuildings on the same premis
fixtures and fittings
walls,gate and fences around the premises
SECTION III =
OTHER CONTIGENCIES
rent insurance
liability to the public
liability as owner of the insured building
liability as an occupier in respect of accidents which occur in or about the private dwelling house
UNDERWRITING CONSIDERATIONS FORHOUSEOWNER'S INSURANCE
Claim history
residence characteristic
personal characteristic
occupancy
amount coverage
credit score
location