Home All Risks Insurance

Protect your home with full comprehensive insurance, covering property damage, theft, liability, and more for complete peace of mind and security.

1. The contents in safe cover extension is subject to sufficient security measures.
2. For tailored policy refer to the company.
3. Fine arts and valuable items exceeding 10% of contents, should be specified and declared separately
4. Contents will be considered on agreed value basis upon submission of a detailed list of items with their respective market prices

Property All Risks as per LM7 wording

• Neighbors', co-owners and third parties recourse
• Loss of rent/ loss of use/ alternate accommodation (across 6 months)
• Forest and bush fire
• Loss due to falling trees, and/or electrical poles 
• Landslide due to an insured peril
• Automatic capital addition clause Up to 10% of contents 
• Automatic reinstatement clause subject to prorated premium
• Small site of work / workmen clause 
• Relief of average clause 20% 

Third Party Liability:

• Maximum per claim and per period of insurance $100,000
  

Burglary:

• Burglary against forcible entry including damage due to break in
• Hold up
• Contents in safe

Workmen's Compensation

• Workmen Compensation up to 2 named worker
• Medical Expenses $2,500/person/period
• Weekly indemnity $50
• Death & Permanent Disability $10,000/person /period

Complementary covers: 

• Removal of debris,
• Demolition, architects and surveyors’ fees,
• Fire department charges,
• Accidental discharge of sprinklers,
• Expediting expenses/extra charges for airfreight/overtime work
• Impact of vehicle,
• Animal/cattle belonging or not to the insured or his family members & servants or under his custody

Natural perils:

• Earthquake, storm, tempest, flood, tsunami and landslide

Other Benefits:

• Plate glass and mirrors
• Smoke damage
• Bursting and overflowing of water tanks, pipes & apparatuses extended to cover overflowing of diesel tanks and sewage pipes
• Cost of search of water damage loss $2,000
• Rain water $10,000
• Water damage liability towards neighbors $10,000
• Belongings of servants & visitors covered following insured perils $2,000
• Reconstitution of documents (e.g. passport, ID, property title, etc.) $2,000
• Electrical fluctuation (damage to electrical equipment) $5,000
• Accidental breakage (excluding personal belongings) $5,000