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home insurance :house owner policy (insured perils (fire,lightning,…
home insurance :house owner policy
what it provide :
additional coverage compared to basic fire policy. include loss or damage due to flood, burst pipe etc
insured perils
source of damage or loss which covered by the insurance policy
insured perils
fire,lightning, subterranean fire
explosion
bursting or overflowing (water tank)
theft
road vehicle or animal not belonging to or under control of : you or your family member
hurricane
earthquake
flood
section 1: loss or damage to the building
:"building": means building of a private Dwelling house at the premises and includes:
1) all domestic offices , stables;
2) garages and outbuilding on the same Premises use solely in connection to it and on the same Premises;
fixtures and fitting;
wall, gates and fences around the Premises
private Dwelling house also refer to building or flats and apartments.
when blocks of flats or apartments are insured, private dwelling house will refer to the private flats or apartments
extended perils (building only)
hurricane or landslip expect when this is occasioned by earthquake or volcanic eruption
section 3: other contingencies
the insured are covered for loss of rent in the event your private dwelling house as stated on the schedule is no longer habitable, as a result of an insured event for the period necessary for reinstatement
as an occupier, insurance company will pay foe reasonable additional expenses insured at a hotel, lodging house or boarding house, as a result of an insured event, for the period necessary for reinstatement
the total limit of liability shall not exceed 10% of the total sum insured on Building and/ or contents.
insurance company will indemnify the insured or spouse insured legal liability in respect of accidents or series of accidents arising out of one occurrence, during the period of insurance to property or bodily injury to another person, who is not a member of the family, household or service: