Home Insurance covers the insured against loss or damage to the building and/or contents of an occupied private dwelling. Coverage may be purchased on a Fire & Allied Perils basis (i.e. named perils) or on an "All Risk" basis. Policies typically include optional coverage for fine art, jewelry, fine collectibles, etc. Other optional coverage includes scheduled personal belongings, loss of rent and personal accident insurance for domestic helpers.
This product provides coverage for the Dwelling, Landlord's furniture fixture and fittings, loss of rent, damages to services and breakage of fixed glass and sanitary fixtures on a Fire and Allied Perils (i.e. named perils) or All Risk basis. Third party liability is another optional cover on this policy
This product provides Fire and Allied Perils or All Risk coverage to contents within the home. Loss of rent or cost of alternative accommodation, contents temporarily removed, contents in the open, theft of keys, household removals, fatal injury benefit to the insured or spouse, visitor's personal effects and occupiers personal and employer's liability are other included coverages in this policy. Personal belongings, personal money and credit cards and Loss / Accidental damage of Passport, driving license, work and residence permits and Domestic Helper Personal Accident are elective covers available to prospective policyholders. Occupier's liability: will provide cover against the legal liability for damages and claimants costs and expenses and is also an optional cover in this product.
This product is a combination of the Home Alone and Tenant Shield products (i.e. building and contents) that can be provided on either a Fire and Allied Perils or All Risk basis.