What is covered?
- Main Dwelling, Domestic outbuildings, Staff Quarters, garages, etc.=/li>
- Building Fixtures and Fittings
- Swimming Pool, Boundary Walls, Gates, Fences, Swimm=ng Pool or Borehole Pumps/Motors, Electric Gate Motors, Electric Fences, =nd all Security Systems
- Debris Removal as a result of an insured loss<=o:p>
- Fire Department Charges
- Legal costs incurred with Insurers consent, in connection with a claim against your policy
- Accidental damage to Public Supply or Mains Connections (water, gas, electricity, telephone)
- Accidental Breakage of Glass or Sanitary Fixtures
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
- Vandalism or Malicious Acts
- Collapse of Television or Radio masks
- Theft of Fixtures & Fittings by breaking and entering
- Property Owners Liability
What is not covered?
- Loss or damage to Buildings or Structures used in any way for farm or business purposes (unless insured separately)
- Loss or damage to property illegally acquired, imported or kept
- 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 premises
- If the property is underinsured, the claim payout will be reduced proportionately