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HOUSE-OWNER POLICY (INSURED PERILS (Impact of any buildings, Theft,…
HOUSE-OWNER POLICY
INSURED PERILS
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Flood, earthquake, hurricane
Fire, lightning, thunderbolt
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GENERAL EXCEPTION 1
War, invasion, act of foreign enemy
Riot, military insurrection
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UNINSURED LIABILITY
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Carrying out of alterations, additions, repairs to insured`s building
Ownership, possession on behalf of insured/spouse of any lift, vehicle, raft of any kind
INSURED LIABILITY
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If building are from block of flats/apartment, insurance companys indemnity to insured to restricted to insureds legal liability for claims made as owner of building
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GENERAL EXCEPTION 3
Insurance company not cover consequential loss/damage of any kind except as provided in section III e.g (Rent Insurance)
DEFINITION
Provides additional coverage compared to basic fire policy includes loss/damage due to flood, burst pipe etc
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