Apart from insuring the physical household properties, there is also covers for contingencies related to your home.
1] Liability To the Public
- This indemnifies the Insured for sums which he/she is legally liable to pay as compensation, examples include:
- The Insured’s dog bites and injures his neighbour
- The Insured’s friend slips and falls while visiting
- The Insured’s child breaks an expensive vase of the neighbour
2] Personal Accident
- A lump sum is paid to the Insured in the event of Death or Total Permanent Disability due to Insured perils
3] Medical Expenses
- The Insured is indemnified if he/she is injured due to Insured perils
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