What is covered?
- All Household Contents, Furniture, Equipment, Furnishings and Personal Effects
- Personal property temporarily removed
- Loss of personal money
- Breakage of glass and sanitary ware
- Landlord’s fittings (if you are responsible)
- Underground mains supplies, pipes, cables, etc (if you are responsible)
- Loss of rent
- Medical Expenses upon Visitors/Domestic Workers
- Occupiers Liability plus legal costs incurred with insurers consent
- Compensation for Death of Insured or Spouse
- Common Law Liability to Domestic Workers
- Domestic Workers Property
- Garden Furniture in the Open
- Theft from Washing Lines
- Accidental damage to TVs, Videos, Decoders, DVDs
- Golfer’s hole in one
- Security Guard Protection Costs
- Stamp collections (if specifically insured)
- Deep Freeze Contents Spoilage from accidental failure of Public Supply (ZESA)
- Total value of jewelry, gold, silver, etc. not to exceed 1/3 of total amount of Contents
What type of loss is covered?
- Fire or Lightning
- Explosion
- Earthquake
- Falling Objects/Trees
- Impact by Aircraft, Land Vehicle, or Animals
- Riot (non-political)
- Water Escape and Rupture
- Smoke
- Windstorm, Flood, Hail, Hurricane
- Vandalism or Malicious Acts
- Collapse of Television or Radio masts
- Burglary & Theft
- Property Owners Liability
- Occupiers Liability
What is not covered?
- Loss or damage resulting from any intentional or criminal act
- Loss or damage caused by wars, invasion, or terrorism
- Loss or damage caused by contaminants or pollutants
- Loss due to lack of Maintenance of the premise
- Equipment used for a business (unless separately insured)
- Boats (unless separately insured)
- Motor Vehicles and Trailers (unless separately insured)
- Deeds Bonds, Manuscripts, etc.
- Bicycles, (unless separately insured)
- Damage caused by rodents