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Household Insurance
Household goods and personal effects of every description, the property of the insured or for which he is responsible or of any member of his family normally residing with him, and fixtures and fittings the insured’s own or for which he is responsible all in the buildings described in the schedule
This policy covers your household goods, personal effects and fixtures and fittings where loss or damage is caused by:
- Theft, fire, lightning, explosion, earthquake, impact by animals, accidental damage of water pipes, accidental breakage of windows and more.
- Loss or damage to the contents caused by:
- Fire, lightning, explosion, earthquake
- Storm, wind, hail, flood excluding loss or damage to property in the open
- Impact by animals, vehicles or falling trees
- Theft of any attempt thereat. Theft when the dwelling is lent, let or sub-let, theft from outbuildings and loss of money, for a limited amount only, is only covered when there is forcible and violent entry to the building
- Aircraft or aerial devices
- The bursting or overflowing of water tanks, apparatus or pipes
- Accidental breakage of mirrors, plate glass, and glass tops to furniture
- Accidental damage to television sets and videos and aerials by external means.
- Policy cover for the property of guests for limited amount unless insured by the owner
- Policy loss or damage for the property of domestic workers
- Compensation for the death of the insured or spouse if fatally injured by fire or thieves on the premises