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homeowner policy (Insured Perils (Fire, lightning, thunderbolt, theft,…
homeowner policy
Insured Perils
Fire, lightning, thunderbolt
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Flood, earthquake, hurricane
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General exception 2
Property by its own fermentation, natural heating consequence of nuclear
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General Exception 1
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War,invasion, act of foreign enemy
Riot, military insurrection
Uninsured liability
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carrying out of alterations, additions, repairs to insured's
buildings
Ownership, possession on behalf of insured/ spouse of any
lift, vehicle, craft of any kind
insured liability
If building are from block of flats/ apartments, insurance
company's indemnity to insured is restricted to insured's
legal liability for claims made as owner of building
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Definition
Provides additional coverage compared
to basic fire policy includes
loss/damage due to
flood, burst pipe etc
General Exception 3
insurance company not cover consequential loss/damage of
any kind except as provided in section III e.g (Rent Insurance.
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