INTRODUCTION

This policy provides the following : • Covers your building and/or contents of your home • Covers your personal effects • Provides personal and family liability up to $500,000 • Domestic workers' (as per Workmen's Compensation Act) • Free fatal accident cover for insured or spouse   Note: The above is intended as a general summary only. The specific terms, coverage, exclusions and conditions applicable to this insurance are described in the policy.

PRINCIPAL EXCLUSIONS

• Building left unoccupied more than 60days, unless with our written agreement
• Loss or damage occasioned by its own spontaneous fermentation heating
• Money, contact lenses, debentures, mobile phones, pagers, sports equipment whilst in use, records, tapes, computer, laser discs
• Loss or damage due to scratching, denting, chaffing, wear, tear, deterioration, depreciation, any process of cleaning, repairing or restoring any article, action of light, atmospheric or climatic conditions, over-winding of clocks or watches or application of electrical energy.
• Loss or damaged caused by vermin, insects, mildew, mould or rot
• Mechanical, electrical or electronic failure or breakdown
• Consequential loss of any kind
• War, warlike operations, military or popular rising
• Confiscation or destruction of or damage by order of Government or Public or local Authority
• Radiation and nuclear energy risk

Note: The above is intended as a general summary only. The specific terms, coverage, exclusions and conditions applicable to this insurance are described in the policy.

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