Homeowners/Occupier (Domestic) Package

Overview

We want our homes to be havens of peace, a place where we can retire to at the end of a long and hard day at work. It can be hard to imagine something can go wrong but sometimes it does, more often than we realize. Metropolitan Cannon’s  well designed Domestic Package insurance protects residential buildings and other permanent structures that form part of the property; Contents of the home like furniture, appliances, clothing; Domestic staff who may get injured while in course of duty in the employ of the insured; Personal effects like jewelry, clothing, luggage, or items of personal nature worn or carried about by the insured and family members normally residing with him. Get an expert to give you a free quote now.

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Scope

Make payment, reinstate, or repair the property damaged or destroyed

Make payment replace, reinstate, or repair the property damaged, stolen or destroyed

Make payment replace, reinstate, or repair the property damaged, stolen or destroyed on accidental occurrences except those expressly highlighted. Great for mobile items such as mobile phones and laptops

Legal liability for employer in the event of death of or bodily injury or disease to any domestic employee occurring during or arising in the course of employment

Legal liability for accidental injury, death or property damage to any person/item outside of insured’s household or employ in/ around the residence

egal liability for accidental bodily injury (including sickness), death or property damage to person/item outside of insured’s household or employ in/ around the residence

Benefits

  • Fire, Lightning, Thunderstorm, Earthquake or Volcanic Eruption
  • Explosion
  • Riot, Strike and Civil Commotion
  • Malicious Damage caused by any person other than a member of the Insured’s household.
  • Aircraft or aerial devices or any article dropped there from
  • Bursting or overflowing or escape of water from tanks, pipes and other apparatus
  • Theft accompanied by actual forcible and violent break-in into or out of the Buildings or any attempt
  • Impact with the Buildings by vehicles, trees, aerial objects
  • Wind, Storm, or Tempest (including Floods and overflow of the Sea
  • Loss of rent or cost of alternative accommodation.

Additional applicable covers

Personal Accident  

Cover for accidental bodily injury causing death or disability to the insured or insured’s household arising out of the insured perils

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