This section covers a private dwelling house including domestic outbuildings, walls, gates and fences, all on the same premise or flat.

The section caters for furniture, household goods, and personal effects of every description, the property of the insured or any member of his family normally residing with him, fixtures & fittings, the insured’s own or for which he is legally responsible, not being the landlord’s fixtures and fittings.

This section provides cover in respect to specified portable and valuable items, which are carried outside the house. Items under this section would include jewelry, watches, laptops, mobile phones.

This policy covers domestic servants such as house helps, watchmen, gardeners and drivers in respect of injury, death or disease arising out of and in the course of employment. The cover is mandatory for all employers as per the Work Injury Benefit Act (WIBA).

This section covers liabilities as a result of death or injury to third parties and damage to third party property whilst at the private dwelling house due to the negligence of the owner or occupier.