Home owner's insurance
This is a comprehensive insurance package providing cover for your Dwelling building and Personal liability & Voluntary medical payments.
Section 1: Dwelling building & Personal property
1. Dwelling buildings
This section provides cover forl loss or damage to the residential buildings (whether owner or rented) against loss or damage by:
- Fire, exclusion & lighting
- Riot/strike, malicious damage & civil commotion
- Attempted theft
- Impact by road vehicles
- Falling trees
- Falling aerial devices
- Bursting & overflowing of water tanks and pipes.
2. Personal property
This section provides cover for loss or damage to personal household contents by:
- Theft
- Fire, explosion & lighting
- Accident damage
- Flood
- Storm
- Riot/strike, malicious damage & civil commotion
- Bursting & overflowing of water tanks and pipes
Section 2: Personal liability
This provides you cover against damages (sums of money payable to the other party for loss or damage for bodily injury / death and damage to property. (Advise limit of liability).
- Damage shall include (within the geographical limits of Zambia).
- Legal costs claimed against you.
- Property damage to the other people's property.
- Medical expenses for bodily injury to other people.