Home Shield Insurance

Home Shield Insurance

Home insurance covers your house and belongings against life's unexpected events. It protects you against theft, damage by extreme weather, fire, and other losses. Generally, home insurance is categorised by two types of cover — buildings and contents. These can be combined or bought separately for total peace of mind, so the first step is deciding which option is better for you. 

  • Building - covers residential buildings, including equipment, furniture, fixtures, perimeter walls, gates and fences, all in the same facilities against fire, natural causes eg earthquake, storm and lightning, human causes eg riot, strike and malicious damage, explosion, for example, explosion of domestic gas cylinders etc, miscellaneous causes, for example, bursting and overflowing of water tanks, appliances, pipes and impacts by road vehicles and animals. 
  • Contents - covers the contents, including equipment, contents and personal effects of any description, property of the insured person or any member of his family normally residing with him, property and accessories of the insured person or those for which he is legally responsible. 
  • All Risks - covers accidental damage and theft of portable items indicated in the Policy transported outside the home, such as jewelry, electronics such as cell phones, laptops, tablets and cameras. Etc. 
  • WIBA - covers domestic servants such as house helps, watchmen, gardeners and drivers in respect of injury, death or disease arising out of and in the course of employment. The cover is mandatory for all employers as per the Work Injury Benefit Act (WIBA). 
  • Employers Liability - indemnifies the insured against any such liability incurred thereby under the Employer's Liability Common Law Tort. 
  • Owners Liability - covers the homeowner against legal liability of third parties for accidental bodily injury and accidental loss of or damage to property. 
  • Occupiers Liability - covers the home occupier against legal liability of third parties for accidental bodily injury and accidental loss of or damage to property. 
  • Cash back house painting Loyalty bonus if you insure with us for 3 years, claim free 
  • Discount of 7.5% if you pay 3 year premiums in advance. 
  • Cash value for loss of rent while your building is under refurbishment*. 
  • Alternative accommodation in the event that your house is uninhabitable following a peril. 
  • Free medical expenses for guests and domestic employees following a peril or attack by domestic animals up to stated limit. 
  • Reimbursement of costs incurred in extinguishing a fire including cost of fire engines and municipal charges* 
  • Compensation for loss or damage to goods contained in a refrigerator caused by a breakdown or explosion of refrigerate action unit or failure of the supply of electricity. 
  • Consolation handbags benefits following a mugging or smash and grab incident. 
  • Death benefit of Kesh 100,000 following a peril 
  • Personal Accident Cover for family 
  • Trauma treatment and spa experience following a burglary or fire incident 
  • Golfers equipment, hole in one, Caddy’s Medial and Third Party Liability 

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