Home Shield

Provides the overall coverage upon your dwelling house and family members.

Overview
Provides the overall coverage upon your dwelling house and family members.

Coverage's

Coverage's

Property Damage
Covers building, content and Personal Effects from loss of or damage caused by :

  • Fire, Lightning, Explosion, Falling by Aircraft, Smoke.
  • Flood, Windstorm, Tempest and Water Damage.
  • Landslide.
  • Earthquake.
  • Theft and Burglary.
  • Riot, Strike, Malicious Damage, Civil Commotion.
  • Smoke and Vehicle Impact.

Also automatically give you additional covers of: Temporary Accommodation, Removal of Debris, Architects, Surveyor and Engineer’s Fee, Fire Extinguisher Cost, Fire Brigade Cost, Minor Alterations and Repair, Capital Addition, Leakage of Water/PDAM & Gasses/LPG, Personal Effect of Servant.

Personal Accident
Covers Bodily Injury to the insured caused by an Accident. (max. liability shall be IDR. 10,000,000 for death or permanent disablement and IDR. 1,000,000 for Funeral expenses).

Third Party Legal Liability
Covers the Insured legal liability for damages because of bodily injury or loss, damage or destruction of property of any third party. (max. liability shall be IDR. 100,000,000).

Exclusions

  1. War, civil war, revolution, rebellion, insurrection, labor disturbance, terrorism and sabotage.
  2. Seizure, requisition, confiscation, or destruction at the order of the Government, except it’s a necessary part of fire fighting operations.
  3. Radioactive, explosive, or other hazardous properties of nuclear fuel materials.
  4. Willful misconduct or gross negligence.
  5. Fraud or embezzlement.
  6. Other exclusions as defined in the insurance policy.