Householders Comprehensive Insurance Cover

 

HOUSEHOLDERS COMPREHENSIVE INSURANCE

 

This class of business indemnifies the insured for loss of damage to property against theft, fire accident and other perils.

The policy is arranged in sections, covering various aspects.

Section I: This section covers residential buildings for loss or damage caused by fire and all special perils.

 

Section II: Section two of the policy covers loss of or damage to contents– household goods and personal effects consequent upon theft, fire, etc. In residential buildings cover is However, limited to the insured premises although the policy extends to cover the property whilst kept temporarily elsewhere within the geographical limit.

Section III: This section covers selected items such as jewelry, wrist watch, glasses and other portable but valuable items on All Risks basis. 

This is to say that cover operates whilst these items are within or outside the premises.

Section IV: This is the personal liability section of the policy, and it covers the legal liabilities of the insured and members of his household.

 

Section V: The policy can also be extended to cover the insured for death or personal injury sustained following break-in or robbery attacks on the premises.

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