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HOUSEHOLD POLICY :house_with_garden: (Main Perils Covered (Fire,Lightning…
HOUSEHOLD POLICY :house_with_garden:
TYPES OF INSURANCE HOME POLICIES
Basic fire policy
Houseowner Policy
Householder Policy
DIVISION OF HOME POLICY:
Buildingsonlypolicies.
Content only policy
Buildings and contents insurance together with in one policy
TYPES OF PAYMENT UNDER HOUSEHOLD POLICY
Replacement Value
New For Old
SCOPE OF COVER
Household goods and Personal Effects of every description.
It is belonging to You or any member of Your Family
Main Perils Covered
Fire,Lightning,Thunderbolt,Subterranean, Fire
Explosion
Aircraft and Other Aerial Devices and/or articles dropped
For Private Dwellings, by any road vehicle or animals not belonging to or under the control of you or your family members
For Block of Flats or Apartments,
GENERAL EXCEPTIONS 1
War, invasion, act of foreign enemy, hostilities
Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution
Any act of terrorism
GENERAL EXCEPTIONS 2
Caused by cessation of work, or by confiscation
To property by its own fermentation, natural heating
GENERAL EXCEPTIONS
Not cover Consequential loss or damage of any kind except Rent Insurance.
SETTLEMENT OF CLAIM
Insurable Interest
No Right of Claim from Any Other Person
Limit to Three Paying Guest only
Market Value
MAKE A CLAIM
Notice and Proof of Claim
Building Plans
Liability Claims