This section provides indemnity against loss or damage to the insured residential building caused by Fire and Special Perils, including but not limited to:

• Fire, lightning, and explosion
• Storm, tempest, flood, and water damage
• Impact damage
• Malicious damage
• Bursting of pipes and water tanks
• Riot, strike, and malicious damage

Cover applies to the main structure, fixtures, fittings, and permanent installations forming part of the building.

This section covers household contents against:

• Fire and Special Perils: as stated above
• Burglary and Housebreaking involving forcible and violent entry or exit

Household contents include furniture, appliances, electronics, clothing, and other personal effects ordinarily kept within the insured premises.

This extension provides cover for sudden and unforeseen physical damage to insured household contents arising from accidental causes not otherwise excluded under the policy.

The All Risks Extension provides broader protection for specified household contents against loss or damage from any cause, except those specifically excluded.

• Maximum Sum Insured: Up to 25% of the total household contents sum insured
• Applies to portable items such as jewellery, phones, and laptops

This section provides protection against legal liability arising from:

• Personal/Public Liability
• Owners’ Liability

This section provides compensation in the event of death, permanent disability, or medical expenses resulting from an accident sustained by the insured within the premises.

Where the insured premises become uninhabitable due to an insured peril, this section covers the reasonable cost of alternative accommodation during the period of repair or reinstatement.