Home Owners (HO) policy insures your residential building and its contents. This insurance covers the loss of property due to:

• Fire, lightning, explosion and earthquake
• Theft
• Impact by vehicles, animals
• Escape of water or bursting of any tank, apparatus or pipes
• Storm, Tempest, Flood
• Breakage of receiving aerials, their fixtures and masts
• Riot, Strikes &/or Malicious Damage
• Breakage of fixed glass & sanitary fixtures

It can also be extended to cover the following:

• Accidents to domestic staff
• Property owner’s liability and/or tenant’s liability
• Liability to the public (third party)
• Loss of rent or alternative accommodation
• This insurance policy can be taken for contents only in case you are a tenant in a building or an apartment