Our House Contents Insurance provides comprehensive protection for your personal household contents and belongings in case they are damaged or lost due to insured events like theft, fire, lightning, storms, or earthquakes, and accidental damage.
In addition to the above, the policy has the following covers, amongst others:
1
Guests Property
If household contents and personal effects excluding money and negotiable instruments not otherwise insured belonging to a guest temporarily residing with you are lost or damaged by an insured event specified, or by theft from the private residence we will indemnify the guest up to P2,000 (two thousand Pula) any one claim.
2
Domestic Staff’s Property
If household contents and personal effects excluding money and negotiable instruments belonging to your domestic staff are lost or damaged in the dwelling by an insured event, we will indemnify the domestic staff up to P2,000 (two thousand Pula) any one claim.
3
Locks and Keys
We will indemnify you for costs reasonably and necessarily incurred as a direct consequence of any keys, (including card keys and remote controllers) for the dwelling or vehicle owned by you, being lost or damaged up to P2,000.
4
Personal Liability
The Personal Liability coverage protects the insured against legal liability for accidental death, injury, or illness to others, as well as accidental damage to tangible property. It applies to the insured, permanent members of their household, and domestic workers, provided they adhere to the policy terms. The maximum payout, inclusive of legal and approved expenses, is limited to P2,000,000 per event or series of related events in any one insurance period.
