a) Covers buildings, fences, outbuildings and walls against fire and perils impact.
b) Covers contents of all description whilst in a building occupied continuously by the insured against fire and perils, theft and accidental damage.
c) All risks-which covers portable valuables like jewellery, watches, spectacles etc. against fire and perils, theft and accidental damage.
d) Covers personal injury or sickness covered by domestic servants e.g. stablemen, gardeners, cooks, cleaners, private watchmen
e) Covers owners’ legal liability to third parties (not members of the family), extends to tenants.
f) Covers occupiers and personal liability to third parties in and out of premises. Includes liabilities caused by domestic animals like cats, dogs, and horses.

– Insurable interests of the proposer in the property
– Location of risks
– Construction of the premises
– Prevalence of crime in the neighborhood
– Previous claim experience and amounts of losses each time
– Protection at the entrances

Any accident, loss, damage, expense, bodily injury or liability occasioned by war, civil commotion, damage by order of Government, nuclear weapons, ionizing radiations.