Tenant’s Risk
Tenant’s Risk will cover your liability as tenant of the building in accordance with the Articles 1733 and 1734 of the Civil Code. As such you will be covered in case you become legally liable for damages to the building or contents belonging to your landlord as a result of Fire, Explosion or Water Damage.
Contents
You’ve spent time and money to get the things you’ve got today. Replacing your belongings if something happened would put you out of pocket. Give yourself less to worry about by protecting your furniture, carpets, household appliances, clothes and anything that is precious to you inside your home.
When you buy Contents Insurance you’ll have cover for events such as Fire, Explosion, Lightning, Cyclone, Flood, Burglary, Malicious Damage and more.
Personal Effects
Add Personal Effects coverage to your Contents Cover to protect your valuables away from home. We all know it’s too easy to lose or damage something you’re wearing or carrying while out and about. This reassuring cover includes belongings like jewellery, watches, cameras, mobile phones, laptop and sports equipment
Personal Liability
These days just about anyone can be sued as a result of their actions. The personal liability coverage within your home insurance provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. For example, someone falls down your stairs, or your child accidentally throws a ball through a neighbor’s window, breaking an expensive item – you may be held responsible for the damages caused. Under personal liability coverage, the insurance company defends you if you are sued, and pays damages to the injured person up to the limit of liability.
Domestic Workers Compensation
Domestic Workers Compensation gives you cover for people you employ to work at your residence in the event they are injured and you are legally liable.
Additional benefits:
Home Assistance
Not everyone masters the art of home maintenance. That is why an electrical breakdown or a water leak can be a mere incident for some and a disaster for others. That is the thinking behind the Emergency Home Assistance.
Our Home Assistance has the competence to meet these needs and make your life easier.
You’ve lost your key, or it got broken in the lock: a provider from our network will respond round the clock, 365 days of the year, to replace the lock and reassure you.
If a window is broken or if your home is no longer protected, we will send a competent technical person suited to secure the place as quickly as possible.
For a water leak or an electrical failure, we are able to supply qualified and approved tradesmen to repair any damage quickly and effectively.
Our Emergency Home Assistance service is geared to provide quick temporary measures to stop or prevent further damage until adequate repairs are carried out.
Our 24 Hour Emergency Home Assistance Contact Details are:
Office hours 08:00 to 16:00 467 8506
Outside office hours 16:00 to 08:00 5255 9213.
Food Spoilage
We will pay for spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:
- breakdown or failure of the unit or any of its components;
- escape of the refrigerant or fumes; or
- accidental failure of the public electricity supply to the buildings
Involuntary Loss Of Employment
If you lose your job, we will pay for monthly school fees of your children and/or loan repayments subject to conditions of the cover.
Guest/Visitor/Domestic Helper's Property
We will pay if property belonging to your guests, visitors or domestic helpers is lost or damaged by an event covered by this policy when your guests’, visitors’ or domestic helper’s property is kept in the building/s, provided that we would have paid the claim if the lost or damaged property had belonged to you.
Electrical Damage to Appliances
We will cover for electrical damage to home electrical appliances.
Credit Card Loss Or Theft
If your credit card or other automatic teller machine card is lost or stolen during the period of insurance and you are legally liable to pay for credit given to anyone who has found or stolen your card during the period of insurance, we will pay for any one occurrence of loss or theft of one or more of your cards.
Accidental Breakage of Glass
If a fixed glass or sanitary ware is accidentally broken in your home, we cover for the repairs or replacement.
Pet Cover - Veterinary Fees Only
Pet cover (for Dogs and Cats only) provides cover for the cost of fees charged by a veterinary practice for consultations, examinations, tests, X-rays, surgical procedures, drugs and medication, nursing and hospitalisation for an illness, injury, accident or change in your pet’s health.
