Perils covered under insurance of the buildings

  • Fire, explosion, lightning, thunderbolt and subterranean fire
  • Earthquake, volcanic eruption and tsunami
  • Flood
  • Windstorm, hurricane and tornado
  • Riot and Strike, labour or political disturbances
  • Malicious persons
  • Collapse due to subsidence or landslip
  • Escape of water from a fixed water, drainage or heating installation or from a washing machine, dish washer or waterbed
  • Theft or attempted theft
  • Collision by an aircraft or other aerial devices, (-and anything dropped from them), vehicles or animals
  • Falling radio or television aerials (including satellites dishes) their fittings and masts
  • Falling trees or branches or utility poles. We will pay for the cost of removal provided that they have caused damage to the insured buildings.
  • Specific exclusions apply to the policy cover.

       Additional coverage to the perils via extensions

  • Underground pipes and cables subject to a maximum of $10,000 in the aggregate per policy period
  • Debris Removal and Professional Fees
    • Debris Removal – Up to 5% of the building Sum Insured in the aggregate per policy period.
    • Architects, surveyors, consulting engineers, legal and other professional fees – Up to 10% of the building Sum Insured in the aggregate per policy period.
  • Damage to fixed glass and sanitary fixtures subject to a maximum of $10,000 in the aggregate per policy period.
  • Loss of rent/Cost of Temporary Accommodation – Up to 10% of the building Sum Insured in the aggregate per policy period.
  • Emergency Access – Subject to a maximum of $1500.00 in the aggregate per policy period.
  • Purchaser’s Interest – Sale of Private Residence
  • Replacement of Door Locks and Keys – Up to $1000 in the aggregate per policy period.
  • Specific exclusions apply to the policy cover.

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