House owners/Householders Insurance policy is designed to provide protection against loss or damage to Private dwellings houses and apartment (owners or tenants) and the contents (furniture, electrical appliances, jewellery, etc) within the house.
Scope of Cover
Loss or damage to the building and its permanent fixtures
Loss or damage to household contents
Additional expense of alternative accommodation or loss of rent (if specifically covered)
Liability to the public as an owner or occupier of the building
Personal Accident to the insured
The following risks are covered by this policy:
Bursting or overflowing of domestic water tanks, apparatus or pipes
Fire, lightning, thunderbolt
Impact damage caused by any road vehicle not belonging to or under the control of the insured
Theft caused by forcible or violent breaking into and out of the building or any attempt threat
The policy may be extended to cover the Insured against any legal fees and expenses in the event of a claim brought by a person who is involved in an accident that takes place in the house.