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Third Party Coverage

Comphrehensive Coverage

Property Insurance

Property Insurance Coverage not only covers your building in the event of a loss but can also extend to insure your contents e.g. furniture, appliances, stock, machinery, jewelry, paintings etc. if damage, theft or loss occurs.

We offer coverage for:

  • Private dwellings
  • Commercial dwellings
  • Industrial businesses
  • Contents

Private Dwellings

For Private dwellings, under a Property Insurance Policy you are covered in the event of:

  • Fire
  • Lightning
  • Explosion
  • Flood
  • Burglary
  • Riot & Strike
  • Malicious Damage
  • Earthquakes & Hurricanes
  • Impact & Aircraft Damage

Commercial Dwellings and Industrial Businesses

For Commercial dwellings and Industrial Businesses, under a Property Insurance Policy you are covered in the event of:

  • Fire
  • Lightning
  • Explosion
  • Flood
  • Burglary
  • Riot & Strike
  • Malicious Damage
  • Earthquakes & Hurricanes
  • Impact & Aircraft Damage
  • Business Interruption
  • Employers’ Liability – coverage to employers’ in the event of injuries to employees while on the job.
  • Public Liability - coverage to property owners in the event of injuries to or damage to members of the public
  • Cash In Transit – coverage in the event of theft of cash while transporting
  • Goods In Transit - coverage in the event of theft of goods while transporting
  • Fidelity Guarantee – coverage if the event of theft by employees
  • Plate Glass – coverage in the event of damage to display windows

Contents

With our Content Insurance Coverage you are covered in the event of damage to your possessions resulting from fire, theft, flood and other pers.

Why would you want this type of coverage?

Property insurance is important because a disaster can occur at any time. There are many factors behind a fire, for example arson, natural elements, faulty wiring, etc.

Remember
Most fire deaths take place at home - the major reason for a residential fire is unattended cooking.

Check to ensure your electrical appliances are switched off after use!

Things to consider when shopping for Property Insurance

Not all fire policies are the same. By shopping around, you will have the best chance of finding a policy with your preferred combination of price, excess and requirements relating to use and replacement or reinstatement.

The following are important things to consider when buying a property insurance policy:

  • How much coverage you need
  • Policy Options & Deductibles
  • Available Discounts
  • Are there restrictions on what the property can be used for
  • Does the policy meet the requirements of your bank or financial institution
  • How soon after a loss will you be compensated
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