THE FOLLOWING IS A SUMMARY OF THE COVER OFFERED BY THE POLICY:

Section 1
The Building of your home

Section 2
Your Contents - you have the option to include these, or not

Section 3
Your Liability - to domestic employees (if any)
• as owner &/or occupier of your home
• in a personal capacity

Section 4
Various Accidental Loss/Damage covers

Some of these extend the cover provided by Section I and are automatically included in the policy. These are:
• accidental breakage of fixed glass and sanitary ware
• accidental damage to underground cables and pipes
• replacement of door locks
• fatal accident benefit

If you decide to insure your Contents, then the following covers are automatically included:
• loss of personal money
• credit card abuse
• spoilage of food
• accidental breakage of mirrors and glass

Finally, some items can be provided with wider cover - but only if you have insured your Contents under Section 2. Valuables and personal effects and electronic equipment can be covered for accidental loss or damage. A detailed listing of all items is required and an additional premium must be paid.

Policy Schedule
The Schedule of the policy is an extremely important document as it is here that the specifics of your risk are documented (insured name, address of property insured, period of insurance, sections covered, sums insured etc.)

It is important to appreciate that the figure entered as the Sum Insured/Limit of Liability for each section is the maximum that can be paid in the event of a loss. Where zero appears, there is no cover provided.

PLEASE CHECK YOUR SCHEDULE CAREFULLY AND ENSURE THAT ALL DETAILS ARE CORRECTLY STATED.