The Householder’s Policy is a comprehensive home insurance which provides you with financial compensation in the event of loss or damage to the building and its contents, against a wide range of perils.
These include but are not limited to damage caused by:
> Fire, Lightning & Explosion
> Storm, Tempest and Flood
> Bursting and overflowing of water tanks, Apparatus or pipes
> Burglary, Housebreaking, Theft or Larceny
> Impact by any vehicle or animal
> Malicious Damage
> Accidental Damage of fixed glass
> Loss of income on rented building
You will also receive cover in the event of accidental injury causing death or disability and for third party liabilities.
For greater flexibility, you have the choice, as the policyholder, to insure your Building only or your Contents only , otherwise you can insure both.
The Building Only cover provides insurance protection to the permanent fixtures of the house such as bathroom, wardrobes and kitchen as well as the bricks and mortar.
The Contents Only cover provides insurance protection to the belongings in the home such as the TV and other electronic goods, clothing, furnishings, jewellery and art, etc.
If your building is under construction, we provide for a Fire Only cover.
Our Fire Only Policy is offered in the event that a house is under construction, unoccupied or under renovation, which protects you in the event of fire, lightning and explosion.
