Our home is probably one of our most valuable assets.
It’s the shield that covers our dreams and precious moments with our family.
This is the reason we need to ensure that we provide appropriate protection from the unexpected.
Pancyprian Insurance created the ultimate protection with home insurance plans to provide for complete insurance
solutions to cover your needs, allowing you to enjoy your daily moments with peace of mind.
Private Residence Contract Basic
Fire is either caused by an explosion or other cause.
Boiler/gas explosion which is used for domestic purposes.
Direct lightning stroke but not indirect damage, such as damage due to short circuit, increase /decrease of the current of electricity and any other electrical disturbance
Overflowing of sea or river
Flood caused by accumulation of water coming from areas outside your home but not loss or damage caused by:
(a) water coming through structural defect of roof or inefficient insulation
(b) subsidence, landslip or heave.
Earthquake/ Volcanic Eruption
Loss or Damage occuring from earthquake or volcano explosion including flood or overflow of the sea caused by this.
Bursting, leakage or overflowing
of a water tank, an apparatus or
Bursting, leakage or overflowing of a water tank, an apparatus or a pipe except from:
a) a drainage hole or septic tank
b) loss or damage occurring while the Building remains unoccupied for a period longer than 30 consecutive days
c) The action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimizing the consequences of any such act
Loss or damage caused by storm, tempest, cyclone including flood or overflow of the sea caused by these risks.
Impact by Vehicles or Animals/Aircraft Crash
Impact on the Buildings of any vehicle or animal not belonging or under the control of the Insured or any member of his family, who usually resides with him.
Loss or damage directly caused to the insured property by the malicious act of any person (whether or not such act is committed in the course of a disturbance of the public peace).
Loss or damage caused by:
a) The acts of any person who takes part with others in any disruption of public peace (whether in connection with a strike/lock-out)
b) The action of any lawfully constituted authority in suppressing or attempting to repress any such disturbance or in minimizing the consequence of any such disturbance
Loss or damage to the insured property caused or contributed to fire, whether this is accidental or not, from forests, bushes, or the clearing of lands by fire.
Private Residence Contract
Further covers for our most popular plan Private Residence Contract
Theft by forcible entry
Theft accompanied by actual, forcible and violent breaking into or out of a Building or any attempt thereat. Provided that the Buildings do not remain unoccupied for more than 60 days
Liability towards third parties
Compensation is provided against all sums for which the Insured may become legally liable:
(a) as owner of the Building
(b) as a private householder occupying the Building in respect of:
- accidental bodily injury (whether fatal or not)
- accidental damage to property
Expenses for alternative
residence or loss of rent
In the event that the Building becomes unfit for habitation by an Insured Risk the Insured will be compensated against:
-reasonable additional costs for temporary housing
-the loss of the rent suffered by the Insured during the period which is necessary for the restoration of the Building
Removal of debris/Payment of professional fees
In the event of loss os damage to the Bulilding by an Insured Risk the Insured will be compensated against: (a) architects and consulting engineers fees (b) the costs of removal of debris or demolition
Private Residence Contract Plus
Even more covers with our Private Residence Contract Plus
Loss or damage to personal
effects of domestic employees
Cover against loss of or damage to personal belongings of any domestic Servant of the Insured, caused by an Insured Peril, whilst such personal belongings are contained in the Buildings or in any private residence, boarding house, lodging house, hotel within the Geographical Area in which such servant is residing with the Insured or any member of the Insured’s family normally residing with him
- shall not be entitled to indemnity under any other policy
Accidental glass damage
Coverage of the damage sector that occurs in the glass of the insured building during the Insurance Period
Compensation for the accidental death of the insured whilst in
If the Insured whilst in the Buildings, suffers bodily injury by violent, external and visible means, or caused by thieves and if such bodily injury shall result in the death of the Insured, the Company shall pay compensation to the Insured ’s personal representatives
for all plans
Increase Public Liability Limit
Increase of the limit offered for the public liability