A Well Protected Home Is A Happy Home
Whether you’re a home owner, a landlord or even a tenant, you may have wondered about the value of Householder’s Insurance. Do you really need it? Your home is likely one of, if not the most, valuable assets you have. Householder’s Insurance helps protect that investment – and you – in a variety of ways.
Householder’s Insurance covers losses and damages to your home and most importantly to assets in the home. Householder’s Insurance also provides coverage against legal liability caused due to accidents in the home or on the property.
Details on what our Householder's Insurance Policy covers.
The below table is for basic information only. For detailed terms and conditions of Householder’s Insurance Policy, please contact our office.
| No | SECTIONS | WHAT IS COVERED | WHAT IS NOT COVERED |
|---|---|---|---|
| 1 | Fire | Building | Loss to money, securities, livestock, motor vehicle, documents |
| 2 | Fire, Allied Perils & Burglary & House-breaking risks | Contents | Loss to money, securities, livestock, motor vehicle, documents, jewellery/ ornaments & other valuables |
| 3A | All Risk within Premises | Jewellery & Valuables kept in the locked Safe at premises – 30% allowed outside Safe for daily use | Please refer policy |
| 3B | All Risk within Premises | Loss or damage to Jewellery, Valuables etc. due to accident or misfortune | Theft from car except when stolen while properly locked. Loss caused by moth, mildew etc. |
| 4 | Plate Glass (Fixed only) | Accidental breakage of fixed plate glass | Scratches on the Glass |
| 5A | Personal Computer & Laptops (premises only) | Personal Computer & Laptops | Loss due to wear & tear faults defects existing at commencement of the policy, for which the manufacturer is responsible |
| 5B | Laptops (worldwide) | Laptops | Loss due to wear & tear faults defects existing at commencement of the policy, for which the manufacturer is responsible |
| 6 | Baggage | Loss to accompanied baggage by accident or misfortune | Loss of cash, jewellery loss |
| 7 | Personal Accident | Death or bodily injury by accidental, external violent, visible means including weekly compensation during hospitalization in Hospital only. Self / Spouse (upto 65 years ) – Sum Insured Dhs. 100,000/- each / Children (from 10 years and above) - Sum Insured Dhs. 50,000/- each / Domestic Help (upto 65 years ) – Sum Insured Dhs. 25,000/- each | Suicide or attempted suicide, self -injury, death or injury resulting from the Insured committing any breach of law with criminal intent |
| 8 | Public Liability | Public Liability including legal liability to Landlord (rented premises) and neighbours up to an Indemnity limit of Dhs. 250,000/- Inclusive of cost of litigation with the consent of the Company | Liability to family members & employees |
