Home insurance offers you protection against loss or damage to the structure and/or contents of your residence. It can be expanded to include movable valuable items that you wear (like your jewellery) or carry with you (like your mobile phone). The plan can further extend to cover your home employees and any liability arising from an accident or incident in the house you occupy. It is important to note that you can take out this cover whether you are a tenant or the owner of the residence. Insurers often refer to home insurance as ‘domestic package’ due to the fact that it offers a variety of smaller covers under one policy to cater for everything in your household.
There are various occurrences that can cause loss or damage to your property. These include:
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Covers residential buildings where you are either the owner or occupant of the residence
Covers the contents of your residence whether you are a tenant or owner of the residence. Contents usually refers to household goods, personal effects, such as valuables, furniture, electronics, fixtures and fittings (including interior decorations) all belong to you or members of your household.
Covers your property (not covered under Section A and B above) against loss of damage to portable valuables caused by an accident or misfortune, subject to the list of policy exclusions contained in your policy document.
Covers you in the unfortunate event you are held liable for death, injury or disease to your domestic employees arising out of and in the course of their employment with you.
Covers you for any legal liability raised by your domestic services employees arising out of their death, bodily injury or disease in the course of employment. Visit our knowledge base to access the cover limits
Covers the homeowner against legal liability to third parties. A third party in this case is any person other than a member of your household or anyone working for you at the time of the occurrence.
Covers the resident against legal liability to third parties arising out of the fact that it occurred at your residence or out of your or your household members’ (i.e. both your family and domestic employees) actions during that occurrence at your residence.
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Fire brigade benefit: ICEA LION will compensate you for the cost you incur to prevent, control or extinguish the fire at your residence or neighbouring structures including payment of the cost of calling the fire brigade.
Valuation is key: It is important to value your property as you take up the cover the first time or as you renew it year on year. This is because if the property insured is valued higher than what you have insured it for, then you will lose out at the time of a claim, because we will only reimburse you the amount you insured it for. This means that you are expected to bear the proportion of the loss that is not insured in the event of a claim. The reverse of this is also true, you may end up paying way higher premiums than you need to, for the value of your house.
Notify us if you are sued: If you are covered under any of the Liability Section D-G above, you must notify us of any legal summons immediately. We will then conduct the defense and settlement of the claim; including prosecuting any other person that may be liable for those lawsuits.
Malicious damage by a household member is unfortunately not payable as a claim
The risks with an unoccupied home: If you leave your house unoccupied for more than 30 days (for a claim against the building/s as per Section A) and 7 days (for a claim against the contents as per Section B) and there is theft by forcible entry, your claim will unfortunately not be honoured. In this case, the term “occupied” refers to someone being in the house or if there is no one, the home is protected by a guard. You should further note that having a presence in the domestic quarters or other outbuildings and not in the main house is considered an “unoccupied” home.
The danger of highly flammable materials: If you store If you store highly flammable materials like oils and petrol at your residence and an incident occurs, we will unfortunately not honour your claim.
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