Home Insurance

• 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