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  2. Home Insurance

Home Insurance

When you’ve worked hard to create a home that’s just the way you like it, you want to make sure it stays that way

Benefits

Insurance Features

Home protection for loss, damage or theft, including contents and electronics.

Free cover for home-owners’ liability cover up to UGX100M.

Alternative accommodation during house repairs, and loss of rental income coverage.

  • Compensation for loss or damage to the property insured by perils indicated below
  • Fire, lightning, thunderbolt, earthquake, volcanic eruption or subterranean fire, storm, tempest or flood
  • Explosion of domestic appliances
  • Riot, strike and malicious damage
  • Aircraft and other aerial devices or articles dropped therefrom
    Bursting or overflowing of water tanks apparatus or pipes
    Cover for domestic employees
  • Personal liability either as an owner or an occupier of the premises
  • Loss or damage by theft to items covered under section 2 and 3
  • Accidental damage to the items insured under section 3

Section 1:

Buildings

  • Residential building or apartment and perimeter walls gate houses
  • Rental Income

Section 2:

Contents

  • Insured to declare list of items covered and the nature of contents especially those whose sum insured is more than 5% of the total sum insured under contents

Section 3:

All Risks

  • All items must be declared and listed. Insured to provide the model numbers of mobile phones
  • Jewelry valuation certificate is submitted at inception of cover for items above UGX2,000,000

Section 4:

  • Owners’/Occupiers’ liability and employers liability
  • Tenant’s liability per event and aggregate – UGX100,000,000
  • Occupiers’/Owners’ liability per event and aggregate – UGX200,000,000
  • Cover for legal liability for injuries to employees

Section 5:

Workmen Injury Benefit Act

  • Death and permanent disability to domestic helper – 5-year earnings
  • Temporary total disability to domestic helper – actual weekly earnings, max 52 weeks
  • Medical expenses – UGX3,000,000
  • Funeral expenses – UGX1,000,000
  • Personal effects – UGX500,000

Occupational illness as per WC Act 2000

Section 6:

Personal Accident

  • Accidental Death/Permanent disability of insured or member of the insured’s immediate family – up to UGX8,000,000
  • Medical benefit following an accident up to UGX2,000,000

Section 7:

Golfers

  • Cover for golf equipment
  • Cover for hole in one – up to UGX30,000,000
  • Third party liability – up to UGX50,000,000
  • Personal accident
  • Cost of alternative accommodation – UGX1,000,000
  • Cover for damage of contents in the freezer as a result of the risks mentioned in Section 2 – limit UGX500,000
  • Cover for fire fighting – reasonable costs
  • Cost of removing falling trees
  • Rent receivable – 10% of sum insured
  • Debris removal – 10% of sum insured
  • Political Violence and Terrorism
  • Building and Contents cover extended to included loss or damage arising from terrorism and political violence

Free additional benefit

  • Mechanical or electrical breakdown
  • Wear and tear, depreciation, atmospheric conditions
    Unexplained losses
  • Excess on buildings – 10% of claim amount minimum UGX100,000
  • Excess on contents/All Risks 10% minimum UGX200,000
  • Mobile phone excess – 10% minimum UGX200,000
  • Earthquake excess – 2.5% of sum insured

Call Us

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(+256)200524100

(+256)313294100

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Home Insurance Protect all that makes your house a home.

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