This is a comprehensive protection plan against loss or damage to your home. Such as Building, Contents like house hold goods and other personal property, Rent and additional expenses of alternative accommodation, Liability to the public, Liability to the domestic staffs.  The policy covers against losses &/or damages caused by the following:

1. Fire, Lightning, Thunderbolt, Explosion, Earthquake or Volcanic eruption
2. Riot, Strike, Labour disturbances, malicious damages and civil commotion.
3. Storm, Tempest, Flood.
4. Bursting or overflowing of water tanks, apparatus or pipes.
5. Aircraft and other aerial devices and/or articles dropped there from Impact by any road vehicle or animals.
6.  
7. Accidental breakages.
8. Falling trees.
9. Accidental damage to underground properties.

These all coverage subject to terms, exclusions and limitations of the policy. Usual duration of the policy is 12 months.