HOME OWNERS POLICY

HOME OWNERS INSURANCE POLICY

The Provident Home Owners Policy is specially packaged to cover loss of or damage to Private Dwelling and their contents as a result of theft, fire and allied or special perils including flood, lightning, earthquake, explosion, impact, aircraft, riot and strike, civil commotion and burst pipe.

The Policy is further extended to cover loss of use (additional living expenses e.g. alternative accommodation/rent) as well as liability insurance for accidents that may happen at the home.

The Policy is in four(4) sections where an optional Sum Insured can be chosen for each.

These are:-

Section 1 - Buildings including fence wall and alternative accommodation.

Section 2 - Contents

Section 3 - Personal Liability

Section 4 - Personal Accidents for the Insured

Section 5 - Personal Accident for Domestic Employees

HOW TO TAKE THE POLICY Proposal form is completed stating the Sum Insured/or Limit of indemnity assumed for Each Section. Premium is rated on Each Amount stated on each section of the proposal form.

CLAIMS PROCEDURE Prompt and thorough investigation followed by claim survey report is conducted. A Home Owner’s Claim form is completed