Home Insurance

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Estimating home insurance costs

Why do you need home insurance?

  • Compensation for loss of personal items as a result of fire, theft and other insured risks
  • Compensation for loss related to the home building as a result of fire, lighting, storm or other disasters.
  • Protection against liability related to death or injury of domestic workers
  • Protection against lawsuits for bodily injury or property damage that they or their family members cause to other people.
  • Cover additional costs of living away from your home if you can’t live there owing to damage from a fire, storm, or other insured disaster.

How to calculate how much home insurance coverage you need

Home insurance mainly depends on the value or the building or contents. Home owners, renters or landlord can purchase home insurance.

Home insurance is also referred to as domestic package insurance. A standard domestic package insurance policy includes four essential types of cover.

  • Structure of your home(Section A)
  • Personal belongings or contents of the building (section B and C).
  • Liability protection (Section D and E).
  • Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured event.

The premium calculation depends on value of building, contents or limits of liability. Home insurance premiums may vary depending home type or location.

Coverage levels and insurance pricing

The most common misfortunes covered by these policies include:

  1. Fire or lighting
  2. Windstorm or hail
  3. Explosion
  4. Damage caused by aircraft
  5. Vandalism or malicious mischief
  6. Theft
  7. Accidental discharge or overflow of water.
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A better understanding of home insurance

Home owners owners can purchase all 4 types of home insurance covers. Renters can purchase insurance against against losses related to content, liability and additional living expenses. Landlords on the other hand can insure against losses related to structure of the home and liability protection. See detailed explanation of home insurance cover types here below:

Buildings (section A)

This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, lighting, storm or other disaster listed in your policy.
home contents

Personal belongings (Section B & C)

Under section B the policy covers loss or damage to personal belongings like furniture, household goods, electrical equipment and other personal items if they are stolen, destroyed by fire or other insured event.

An all risks cover under section C is often provided to cater for items that are taken out of the house like jewellery laptop computers, mobile phones and cameras.
Home liability insurance

Liability protection (Section D, E and F)

The policy covers domestic workers under section D for injury or death arising from domestic work. This cover ensures that an individual is indemnified against liability at law under the Workmen’s Compensation Act (WCA).

Public liability cover under Section E and F protects owners and occupiers respectively against lawsuits for bodily injury or property damage that they or their family members cause to other people. The liability section of the policy pays for the cost of defending you in court and any court awards up to the limit of your policy.

Additional living expenses

This pays the additional costs of living away from your home if you can’t live there owing to damage from a fire, storm, or other insured disaster.

WATCH YOUR SAVINGS ADD UP.

Save money through getting the most ideal insurance cover for your home. We offer a variety of insurance covers from reputable insurance companies to help us meet your most ideal insurance match.   

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