HomeShield

HomeShield - Comprehensive Home/Property/Liability Insurance Plan

Benefits at a Glance Classic Premium Ultimate
Sum Insured
SECTION I - CONTENTS & RENOVATIONS
Loss of or damages to Renovations Up to $90,000 Up to $130,000 Up to $190,000
Loss of or damages to Contents Up to $40,000 Up to $100,000 Up to $130,000
Covers physical loss of or damages to the Renovations and Contents caused by:
  • Fire, Lightning or Explosion
  • Hurricane, Cyclone, Typhoon, Windstorm, Flood (Excess: $100)
  • Bursting / Overflowing of water tanks or pipes (Excess: $100)
  • Earthquake
  • Aircraft
  • Impact damage by road vehicle
  • Riot, strikes
  • Malicious damage
  • Theft by violent & forcible entry
TOTAL Up to $130,000 Up to $230,000 Up to $320,000
SECTION II - LIABILITY COVER Limit of Liability
Worldwide Personal Liability for whole Household Up to $1,000,000
Tenant's Liability (Excess $100) Up to $500,000
SECTION III - WORLDWIDE FAMILY ACCIDENTAL DEATH PROTECTION Sum Insured
You and your spouse $10,000 each
Your child (regardless of no. of children) $5,000 each child
SECTION IV - EMERGENCY HOME ASSIST
Access to 24-hour Home Assist helpline for assistance services that include telephone medical advice, arrangement of private medical transportation, plumber, electrician and locksmith referrals Included
POST LOSS COVERS following damage covered under Section I
Alternative Accommodation or Loss of Rent
Cost of alternative accomodation or loss of rent while your home remains uninhabitable		 Up to 10% of Total Sum Insured
Removal of Debris
Cost incurred for removal of debris following damage to your home		 Up to $2,500
Cost of Temporary Protection
Cost of temporary boarding up or protection following damage to your home		 Up to $2,500
Emergency Cash Allowance
Purchase of essential personal effects if your home becomes uninhabitable for at least 5 days		 Up to $500
Emergency Replacement of Personal Computer
Advance payment of claims following loss of personal computer subject to our appointed assessor's certification		 Up to $3,000
BONUS COVERS to Section I
Replacement of Locks & Keys
where locks and keys to your external doors are stolen		 Up to $500
Contents Temporarily Removed
from your home for up to 14 days (Limit per article - $500)		 Up to $5,000 in the aggregate
Accidental Death of Domestic Pet
(Dogs or Cats)		 Up to $500
Loss of Money
involving forcible entry to your home		 Up to $1,000
Accidental Breakage of Fixed Mirror & Fixed Glass Up to $500
Deterioration of Frozen Food
Cost of replacing deteriorated food in the deep freezer section of your refrigerator		 Up to $500
Automatic Reinstatement of Sum Insured subject to additional premium Available

* We will not pay for more than 30% of the Contents Sum Insured in respect of Valuables, nor more than 5% of the Contents Sum Insured for any one article (except furniture, PCs, audio & video equipment, pianos or organs).

 

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