This is a policy for home owners and tenants.
It covers the building itself, contents whilst in the house and outside the house, House servants against death or injury whilst in the course of employment and personal legal liability to third parties.
The various sections of the policy are as below:
- Section A: Buildings
- Section B: House Hold Goods/Contents
- Section C: All Risk- Clothing, Personal Effects/ Personal Equipments
- Section D: Personal Liability
- Section E: Personal Accident
- Section F: Workmen's Compensations
- Road accessibility - Building must be road accessible to cars/fire brigades
- Photographs if taken in advance will ease the claim procedures
- Reasonable steps and precautions to prevent or minimize loss or damage
- Reasons for lapses in cover need to be addressed