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Householder’s Comprehensive

Our policy is designed to cover private residences including contents therein and other incidental risk exposures against the following principal perils:

  • Fire, lightning, explosion, thunderbolts, earthquakes or subterranean fires
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Burglary, housebreaking, theft, larceny or any other attempt threat
  • Aircraft or other aerial devices or articles dropped there from
  • Storm, tempest and flood
  • Impact by any road vehicle, horse or cattle, not belonging to or under the control of the Insured or any member of the Insured’s household
  • Riot and strike damage
  • Malicious damage

The policy contains the following sections:

Section 1: Buildings

This Section indemnifies loss or damage to building(s) of private dwelling houses or flats and associated domestic offices, stables, garages and outbuildings used in connection therewith, walls, gates and fences around and pertaining to the premises, including landlord’s fixtures and fittings, etc.

Section 2: Contents

This Section indemnifies against loss or damage to contents insured whilst within the building, due to operation of principal perils.

Section 3: Miscellaneous

This Section involves reimbursement against additional expenses towards alternative accommodation in case of the premises become untenable consequent to an incident covered under the policy; Liability under Labour Law in respect of your domestic servant; Personal accident cover for spouse etc.

Section 4: Liability to the Public

This Section indemnifies the Insured in respect of their legal liabilities arising from bodily injury or disease to persons and/or Damage to property by any accident or defective sanitary arrangements, in or about the premises up to a limit of Dhs 250,000 on any one occurrence (higher limits can be arranged if necessary).

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