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home insurance policy

Home Insurance Policy

1. Home Insurance Policy, also known as a Homeowners Insurance Policy, provides coverage for individual homes and their contents. It covers a range of risks, including
a) Damage to the structure
b) Damage to the personal belongings
c) Theft or burglary
d) Personal accident cover for family members
e) Machinery breakdown cover for electronic equipment
f) Liability for injuries that may occur on the property.

2. Both Home Owners and Tenants have insurable interest.

Coverage

Dwelling Coverage

Protects the structure of the home, including the walls, roof, floors, and built-in appliances, against covered perils such as fire, windstorm, and vandalism.

Workman Compensation for Maids / Drivers

Offer coverage for work-related injuries sustained by maids or drivers employed by the homeowner.

Personal Property Coverage

Covers personal belongings inside the home, such as furniture, electronics, clothing, and other valuables, in case of damage or theft.

Medical Payments to Others

Pays for medical expenses incurred by individuals who are injured on the insured property, regardless of fault.

Add-On

Flood and Earthquake - Coverage for damage caused by storms, floods, tempests, earthquakes, landslides and sinkholes.

Scheduled Personal Property - Coverage or higher limits for specific high-value items, such as jewellery, art, or collectibles.

Scheduled Personal Property - Coverage or higher limits for specific high-value items, such as jewellery, art, or collectibles.

Terrorism - Coverage for damage or destruction caused by acts of terrorism.

home insurance

Exclusions

1. Wear & Tear
2. Intentional Damage

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