Welcome to the Home Insurance Guide , summarizing the cover available under a range of plans available from reputed insurance companies such as AIG, Royal & Sun Alliance, and AXA Insurance..
Contents insurance
Contents in your Home
Loss or Damage caused by

• Fire, Lightning, Explosion or Earthquake
  
• Smoke
  
• Storm Flood
  
• Escape of water from water tanks, pipes & apparatus
  
• Riot Strike Civil Commotion Labour disturbances
  
• Malicious Persons or vandals
  
• Impact from road vehicles animals or aircraft
  
• Theft or attempted theft
  
• Falling trees
  
• Accidental Damage (Optional Extension of Cover) ntents
  

Given below are examples of some of the misfortunes that could befall your possessions, and the level of cover provided for suitable protection.

• A glass cabinet comes crashing down and breaks all your expensive chinaware and glassware
  
• Your house is burgled and your camera, DVD player and the jewelry are stolen
  
• While moving your TV to another room, you trip or it slips from your hands and is broken
  
• You drop the mixer grinder on the hard kitchen floor and is broken
  
• Your guest or you or your family members accidentally sit on your sun glasses and breaks it.
  
• A fat frying activity is left unattended for a while and the fat catches fire and engulfs the kitchen.
  
• Smoke from a fire engulfs other rooms and walls have to be repainted.
  
• Water flowing from a burst pipe enters the bedroom and damages the carpet beyond cleaning & repair.
  

The Contents section of the home policy will respond to the likes such occurrences mentioned above. 1

Personal Belongings Insurance
All Risks cover on personal belongings Valuables and portable equipment in the event of loss or damage by accidental means
Covered whilst in and away From Home (Worldwide for purposes of pleasure or business visits only)
Given below are examples of some of the circumstances that could enable you claim under this section of a home policy
The camera falls accidentally on the road and is damaged.
You leave your spectacles or sunglasses in the taxi or on the beach.
Your Baggage is lost whilst traveling abroad.
Personal Money and Credit Cards Cover
While shopping, your purse containing your money, credit cards and debit cards is lost or stolen.
You are the victim of a mugging whilst on holiday
Buildings insurance
Loss or Damage caused by

• Fire, Lightning, Explosion or Earthquake
  
• Smoke
  
• Storm Flood
  
• Escape of water from water tanks, pipes & apparatus
  
• Riot Strike Civil Commotion Labour disturbances
  
• Malicious Persons or vandals
  
• Impact from road vehicles animals or aircraft
  
• Theft or attempted theft
  
• Falling trees
  
• Accidental Damage (Optional Extension of Cover)
  

Given below are examples of some of the misfortunes that could cause damage to the building and is covered by most home policies
Accidental damage occurs to cables or underground pipes serving your home, which are your responsibility.
Your house is not suitable to stay in during repairs - the insurers cover the cost of
Alternative accommodation for up to 10% of the amount for which you are insured.
A violent storm causes falling trees to damage to your roof and parts of the building.
Whilst decorating your bathroom, you drop the hammer in the bath causing it to crack.
A delivery vehicle backs into compound gate.
A wayward driver crashes into the compound wall.
The Buildings section of the home policy will respond to the likes such occurrences mentioned above. 1
Personal Liability Insurance

• Your legal liability to the public as Owner of the Property you occupy
  
• Your legal liability to the public as Occupier of the property you renting
  
• Your legal liability to the Landlord for damage to the landlord’s property you are occupying as a tenant.
  
• Your legal liability as an employer to domestic helper employed by you.
  

Domestic Helpers Insurance

• Death or Permanent Total disablement caused by accident
  
• Medical Expenses arising from accident
  
• Repatriation Expenses as a consequence of above.
  

Underwriters
All cover is underwritten by either Royal & Sun Alliance Insurance Co.Ltd. or AXA Insurance Gulf Ltd. In the United Arab Emirates .
Security discounts
You could receive 5% off your annual contents premium. All you need is a burglar alarm which is turned on when you leave the property and at night, and which is annually maintained.
For a competitive quote please call us on 04 3385400 or send us an e-mail on earnest@earnestins.com .