Home Shield Insurance

Home Shield Insurance

Product Description

Product Description – front page

Insurance that provides comprehensive protection for your home and family members.

Key Features

  • Covers Building, Content and Personal Effects.
  • Automatic extensions including temporary accommodation, fire brigade costs and others.
  • Expandable to cover Personal Accident and Third Party Liability.

Plan Highlights:

  1. Covers Building, Content and Personal Effects from loss and damage caused by Fire, Lightning, Explosion, Flood, Landslide, Earthquake, Theft, Burglary, Riot, Strike and Malicious Damage.
  2. Automatic extension: Automatically gives you additional coverage: 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, and Personal Effects of Servant.
  3. Excluding war, damage from radioactive materials, wilful damage, fraud, etc.
Text

Plan details

Coverage

Property Damage
Covers Building, Content and Personal Effects from loss or damage caused by:

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

Automatic extensions automatically give you additional coverage: 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, and Personal Effects of Servant.

Personal Accident
Covers Bodily Injury to the Insured caused by an Accident. Maximum liability shall be IDR 10 million for death or permanent disablement and IDR 1 million for funeral expenses.

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

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

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