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From damage to break-ins, we've got you covered.
Coverage for damages caused by fire, lightning, and domestic explosion.
Get reimbursed for damages from floods, hurricanes, typhoons, windstorms, and more.
Coverage for damages caused by road vehicles or animals.
Coverage for damages caused by bursting, or overflowing of domestic water tanks, apparatus or pipes.
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The loss, if caused by any of the insured perils, will be paid based on the loss suffered, insured value, or market value which subject peril to excess; less the allowance for depreciation for wear & tear and underinsurance penalty (if any).
The claimant needs to provide proof/documents to support the loss/claim i.e. police report (for civil cases), photographs of the damage, quotations or invoice of repair, historical purchase invoices, technician’s report on causation (if involving electrical items), etc.
If the loss is caused by any of the insured perils, the insured can claim for alternative accommodation or loss of rental under Rent Insurance; only for the duration necessary for reinstatement and subject to an amount not exceeding 10% of the total Sum Insured.
A building in HouseOwner policy refers to a Private Dwelling at the premises, including
Thus, the Insured must ensure that the Sum Insured is adequate to cover the property including renovations, fixtures, and fittings inside the premises. Otherwise, in the event of loss, the claim will be subjected to a penalty of underinsurance.
The HouseOwner policy provides cover for loss or damage to the insured property caused by the insured perils i.e. Fire, lightning, domestic explosion, aircraft, impact by a vehicle or animal, bursting or overflowing of domestic water tanks/apparatus/pipes, theft, windstorm, earthquake/volcanic eruption and flood.
No financial assistance will be provided if the loss was not due to the above-mentioned perils.
The HouseOwner/ HouseHolder policy is for Private Dwellings only. For a homestay, the appropriate policy to cover the property is a Fire policy.
The HouseOwner policy provides cover for loss or damage to the insured property caused by the insured perils, in this instance — burst and overflowing water tanks/pipes/apparatus. Since the policy only covers the resultant damage directly caused by the insured perils, the cost to locate and repair the damaged pipes is not payable.
This policy provides cover for theft but only if it is accompanied by an actual forcible and violent break–in into a building or any attempted threat to. In this instance, since the water pump is located outside the building, the loss is not admissible.
The total value of platinum, gold, silver articles, jewellery, and furs shall be deemed not exceeding one–third of the Total Sum Insured on Contents.
The Value of each article is limited to 5% of the Sum Insured unless specially declared as a separate item. Hence, the loss payable is assessed based on the policy limits.
Works of art i.e. paintings, antiques, and the like have to be specifically declared, itemized and the value has to be mutually agreed on by both the Insurer and the Insured.
A Registered Valuer’s valuation can be used to determine the value of the items. In the event of loss or damage by insured perils, the agreed value will be used to assess the loss.
Unless specifically declared, cash and currency notes are excluded from coverage in the policy.
Yes, this can be insured with an additional premium.
The loss payable will be based on receipts or market value, less a percentage of possible consumption before the loss.
The HouseHolder policy excludes motor vehicles and accessories; hence this is not covered by the policy.
The Policy owner can refer the matter to the Ombudsman for Financial Services within 6 months from the date of the Insurer's decision.