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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

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.

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 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 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.

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

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

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

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

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

Coverage of the damage sector that occurs in the glass of the insured building during the Insurance Period

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