Perils covered under insurance of the contents

  • 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.
  • Smoke meaning the sudden unusual and accidental damage from smoke
  • Specific exclusions apply to the policy cover.

Refer to Guardian General HOMEGUARD policy for further details on the cover provided.

 

Additional coverage to the perils via extensions

  • Accidental damage to specified electronic items
  • Mirrors and Glass – We will pay up to 5% of the contents Sum Insured in the aggregate per policy period.
  • Contents temporarily removed to the open – if the cause of the loss is due to one of the perils above – We will pay up to 5% of the contents Sum Insured in the aggregate per policy period.
  • Contents Temporarily Removed – We will pay up to 15% of the sum insured on Contents and Electronic Equipment in the aggregate per policy period.
  • Contents whilst in transit – We will pay up to $5000 on Contents and Electronic Equipment in the aggregate per policy period.
  • Documents – We will pay up to $1000.00 in the aggregate for any one policy period
  • Loss of rent/Cost of Temporary Accommodation – Up to 20% of the Contents and Electronic Equipment Sum Insured in the aggregate per policy period.
  • Emergency Access – Subject to a maximum of $1500.00 in the aggregate per policy period.
  • Replacement of Door Locks and Keys – We will pay up to $1000 in the aggregate per policy period.
  • Credit Card – We will pay up to $1000.00 in the aggregate for any one policy period
  • Visitor’s Personal Effects – We will pay up to $1000.00 in the aggregate for any one policy period
  • Garden Equipment/Furniture – We will pay up to $5000.00 in the aggregate for any one policy period
  • Freezer Contents – We will pay up to $1000.00 in the aggregate for any one policy period
  • Compensation for Death of Insured – We will pay $10,000.00 or 50% of the Sum Insured on Contents and Electronic Equipment, which ever is less.
  • Luggage – We will pay up to $5000.00 in the aggregate for any policy period
  • Articles of a brittle nature – We will pay up to $1,000.00 in the aggregate for any policy period

Specific exclusions apply to the policy cover.
Refer to Guardian General HOMEGUARD policy for further details on the cover provided.

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