Home Guardian |
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A comprehensive home Insurance policy with fifteen additional covers at zero cost |
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FREE contents cover starting from Rs 200,000/- to a maximum of Rs 500,000/- for building values ranging from Rs 1 Mn and over |
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Optional cash allowance for hospitalization. |
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Ledger Information. |
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| Standard Covers : |
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Fire & Lightning, Explosion, Earthquake, CST, Flood, Natural Perils such as Hurricane, Tornado, Tidal Waves, Tsunami, Volcanic Eruption, Collision or Impact Damage involving any vehicle, animal, train, aircraft or any other aerial device or anything dropped from them, Escape of water or oil from any fixed water or heating installation or washing machine, Burglary and Theft, |
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| Additional Covers at ZERO cost |
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Death and Disability cover LKR 200,000 (insured only) (Natural & Accidental). |
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Accidental damage to Televisions, Radios, Video, and Audio Equip. |
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Damage to Landscaping by fire, Burglary, Explosion, Falling trees (Limited to LKR 25,000/-) |
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Temporary removal of contents up to 15% of sum insured. |
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Accidental Breakage of Mirrors and Glass in Furniture. |
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Replacement of external door locks if the keys of such locks have been stolen by forcible and violent entry. (Accidental cover only those who have a warranty of more than 03 yrs - subject to 20% excess |
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Alternative accommodation and loss of rent up to 10% of the sum insured or up to a maximum of six months whichever is less |
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Breakage or collapse of any aerial up to LKR 2,500/-. |
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Personal liability 25% of the sum insured or LKR 200,000/- whichever is less. |
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Legal liability to domestic staff (Death & permanent disability LKR 50,000/- and medical LKR 5,000/-. |
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Liability as a tenant up to 10% of the sum insured (as specified in the standard policy). |
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Deterioration of food in the freezer (Max LKR 1,500/-). |
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Accidental Death to Domestic pets (Max LKR 10,000/- subject to proof). |
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Accidental Death to Ornamental Fish or Birds (Max LKR 10,000/-). |
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Removal of Debris. |
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| Optional Covers |
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Riot & Strike |
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Terrorism |
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Enhancement on Electrical extra coverage. |
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Cover for Laptop / Computer equipment up to Rs.150, 000/- on "All Risk" basis. |
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Death & Permanent Disability cover for spouse and children at Rs.100, 000/- each. |
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Cash allowance for hospitalization (excluding first three Days) for the policyholder, spouse and children depending on the sums insured. |
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| Information required to obtain cover |
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Current Market value of Building. |
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Value of contents. |
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Detailed list of Jewelry, or any other high valued items such as watches, paintings, sculptures etc |
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