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Home Insurance
Home Insurance
The home could be one of the biggest purchases one may ever make and it also provides safe haven for the entire family, one’s possessions, etc. With this in mind and regardless of whether it’s mortgaged or owned outright, it’s important to protect it against known risks such as fire, subsidence, impart, flooding and many more. Burglary could also cause lose to some valuable possessions you may find it difficult to replace either immediately or in a long while.
Losing your home and contents to fire, flood, burglary or any other equally disastrous event is bad enough, but finding out you don’t have an insurance would be much devastating!
The good news is, there are types of home insurance policies you can select to suit your budget and the level of cover you desire. These include:
Building Insurance
Building insurance provides cover for the costs involved in repairing damage to the structure of your house and a complete rebuild if a repair isn’t possible. It in addition provides cover for the costs incurred in repairing or replacing sheds, fences, pipes, cables and drains. Some of the causes of a damage to your building under cover are; fire, subsidence, impart, flooding and many more.
Content Insurance
Contents insurance provides cover for your furniture, electrical appliances, jewellery, clothes and more. Essentially, anything you’d take with you if you were to move house. It covers these items against fire & allied perils and burglary. Kindly not that this does not cover the building but the content only.
Building & Content Insurance
The Combined Building and Content Insurance policy is designed exclusively to cover loss or damage to a private dwelling house, as well as household goods and personal effects of you as an insured / occupant resulting from fire & allied perils like subsidence, impact, floods and many more. It also includes burglary.
Comprehensive Home Insurance
This policy is designed to cover all accidents that are likely to occur in the home. The Comprehensive Home Insurance policy provides the following main covers:
- It covers your building against Loss or damage caused by perils such as fire, explosion, lightning, storm, hurricane, tornado, flooding, earthquake, volcanic eruption, bursting or overflowing of water tanks and many more.
- It covers your contents against the above perils as well as burglary excluding theft.
- It provides public liability cover for injury or damage to third party property.
- It provides cover for personal accident to the household.
- It covers your actual cost of renting an alternatively reasonable accommodation following an accidental damage to the building for the period necessary for reinstatement (maximum 12 months) for an amount not exceeding ten percent of the full value of the property per annum or the proportionate part thereof monthly.
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Personal Accident
An accidental or Personal injuries can adversely affect your earning capacity, daily expenses, well-being and lifestyles of your family in many ways. Personal Accident Insurance gives you 24-hour cover, which means you are not limited by the activity you are partaking in at the time of the accident. So you will receive cover regardless of whether you are at work or not when the accident happens
Scope of cover:
- Death
- Permanent Disability
- Temporary Total Disability
- Medical Expenses
You may also choose to add on the following extensions to your policy:
- Exposure – to elements, starvation and/or thirst
- Disappearance
- Burns Disfigurement
- Life support system (not less than 3 consecutive days)