The Private Residence of the insured including the following:

  • Tennis hard courts, patios, paths, driveways, boundary and garden walls, gates and fences
  • Solar water heating systems
  • Landlord fixtures and fittings
  • Water storage tanks
  • The insured must ensure that their sum insured for their property includes the above items


  • Household articles, personal effect, Tenants Improvement, tenant’s fixtures, fittings and interior decorations, electronic equipment belonging to you or for which you are legally responsible including:
  • Aerials and their fittings, masts and equipment
  • Items considered valuable and money

Domestic Employee

  • A person employed by you under a contract for service to provide household help including gardening and or yard services but not including nurses, care givers or companion


  • The amount shown in the schedule under the captioned excesses which we will not pay when you make a claim under the policy

Electronic Equipment

  • All items of audio and video equipment, television sets, indoor components of satellite television receiving systems, cable television equipment, radios of every type electronic games, facsimile machines, copiers