What is Home Insurance?
Home insurance protects your home and valuables against life’s unforeseeable disasters. It covers you against theft, damage by extreme weather, fire, and other losses. In general, there are two types of house insurance coverage: buildings and contents. These may be purchased independently or together for complete peace of mind, so the first step is to choose which choice is preferable to you.
Other Insurance Products
- Motor Insurance
- Motor Commercial
- Travel Insurance
- Marine Insurance
- Personal Accident
- Education Policy
- Board Members
- Family Protector Policy
- Invest Plan Policy
- Group Life Assurance
- Fire Insurance
- Fire & Peril
- Industrial All Risk
- Fire Consequential Loss Policy
- Burglary Insurance
- Money / Cash in Transit
- Fidelity Guarantee Insurance
- Goods In Transit
- Professional Liability
Section A: Building
It protects residential buildings, including landlord fixtures, fittings, perimeter walls, gates, and fences, all on the same premises, against fire, natural causes such as earthquake, storm, and lightning, human causes such as riot, strike, and malicious damage, explosion such as explosion of domestic gas cylinders, and miscellaneous causes such as bursting and overflowing of water tanks, apparatus, pipes, and impact by road vehicles and animals.
Section B: Contents
This section covers the contents of the homeowner, including furniture, household goods, and personal possessions of all kinds, the insured's property or that of any member of his family who is residing with him, fixtures and fittings of the insured's or for which he is legally liable. The property is protected against fire, theft as a result of forcible entry or exit, natural causes such as earthquakes, storms, and lightning, human causes such as riots, strikes, and malicious damage, explosion such as explosion of domestic gas cylinders, and miscellaneous causes such as bursting and overflowing of water tanks, apparatus, pipes, and impact by road vehicles and animals.
Section C: All Risks
This policy covers accidental damage and theft to specified portable items taken outside the home, including as jewelry, electronic equipment such as mobile phones, laptops, tablets, and cameras, and so on.
Section D: WIBA
This covers domestic servants such as house helps, watchmen, gardeners and drivers in respect of injury, death or disease arising out of and in the course of employment. The cover is mandatory for all employers as per the Work Injury Benefit Act (WIBA).