This section covers loss of or damage to a private dwelling house or a private flat including domestic outbuildings, landlord’s fixtures and fittings, walls, gates and fences.

This section provides cover against loss or damage to furniture, electronics, cutlery, crockery, and all other contents of all description against losses resulting from the perils in buildings for which the insured owns or for which he is legally responsible not being landlord’s fixtures and fittings.

This section provides cover for loss or damage to the following specified personal effects against all risks unless those personal effects are specifically excluded in the policy. They include but not limited to; Camera, iPad, L.E.D & Plasma TVs, Laptops and electrical installations e.g.
DSTV, Jewelry, Alarm systems, Mobile phones etc.
Exclusions;
– Wear & tear.
– Depreciation.
– Damage by moth.
– Loss from motor vehicle unless in locked boot.
– Damage while in process of repair or innovation

Covers liability for domestic employees as results of any death or bodily injury by accident or diseases arising out of and in the course of employment.

This section provides cover for the insured for events leading to liability at law. It provides cover for legal liability that may arise from accidental bodily injury or damage to property in connection with the ownership and/or occupation of the residence by the insured person or his household.

Scope of cover
– Accidental injuries or death
– Accidental loss or damage

Exclusions
– Political risks and terrorism.
– Any loss occasioned directly/indirectly by order of government, any public municipal or local authority.
– Unspecified jewelry, watches, gold and silver articles, binoculars and photographic equipment etc. for private use.
– Unspecified luggage, clothing and personal effects.