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The policy covers:
  • This policy provides cover for your private dwelling.
  • Damage & loss to your house & contents caused by fire & specified perils;
  • Loss of contents due to theft following a break-in;
  • All Risks cover for portable items;
  • Injuries & illness sustained by domestic workers employed in your private residence;
  • Owners/occupiers liability.

The cover operates under the following sections:

Section A: Buildings 

Private dwelling or flat

Section B: Contents 

Furniture, household goods & personal effects

Section C: All Risks

Cover for portable items such as jewellery, cameras, laptops, mobile phones, etc against damage or loss that is not forceful

Section D: Domestic Servants 

This section is governed by the Work Injury Benefits Act and covers the insured against liability for death or injury/illness sustained by domestic servants in the course of their employment and while in your private residence

Section E: Owners Liability

The insured is covered against legal liability as owner of the building for death, bodily injury to a third party (excluding members of the insured's family & domestic workers) and accidental loss or damage to property belonging to a third party arising out of the insured use of the property.

Section F: Occupiers and Personal Liability

The insured is covered against legal liability as the occupier of the building, for accidental bodily injury to a third party, and accidental loss or damage to property belonging to a third party, arising out of the insured's use of the property.
Please contact our Underwriting Department for details regarding: Premium rates, Policy Conditions and Exclusions.

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