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The policy covers loss or damage caused by or arising from fire, lightning, domestic explosion, aircraft, impact damage, bursting of water pipe, theft, hurricane, cyclone, typhoon, windstorm, earthquake, flood, robbery and hold up in the insured premises or by any perils mentioned in the insurance policy.

Householder: Product

Scope of cover :

  • Fire, lightning, thunderbolt, subterranean.

  • Explosion.

  • Aircraft and other aerial devices and/ or articles dropped therefrom.

  • Impact with any of the buildings by any road vehicles or animals not belonging to or under the control of the Insured or any member of his family.

  • Bursting or over owing of domestic water tanks, apparatus or pipes, excluding: a. In respect of each and every loss the amount stated in the policy schedule. b. Destruction or damage occurring while the Private Dwelling House is left untenanted.

  • Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any such attempt.

  • Hurricane, cyclone, typhoon, windstorm.

  • Flood but excluding loss or damage caused by subsidence or landslip.

  • Earthquake, volcanic eruption.

  • Robbery and hold up in the premises of the Insured’s property.

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