House Owner/Holder

This policy is specifically designed to provide cover for the contents of a defined building as well as valuables both against theft and fire risks. The policy provides insurance against perils, subjects to terms, exceptions, and conditions of the common form of policy. Both the buildings and their contents are insured for the same perils subject to the variations mentioned below. You can have a policy insuring only the buildings or only the contents or a combined policy insuring both buildings and content.


The insured perils include loss or damage caused by:


Fire, lightning, thunderbolts, subterranean fire.

Explosion.

Riot and Strike.

Aircraft or other aerial devices or articles dropped therefrom.

Bursting or overflowing of a water tank, apparatus pipe.

Theft accompanied by actual breaking into or out of a building or any attempt thereat. In terms of contents, the insurance does not cover loss or damage caused by theft occurring while the buildings are unoccupied after they have already been unoccupied for 30 days.