General Insurance

Home Insurance

Home insurance covering loss or damage to specified items and perils.

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IRA Regulated 48hr Claims 24/7 Support Since 2018

What's Covered

Policy Overview

Home insurance covering loss or damage to specified items and perils.

Benefits covered:

Benefits Covered ✓

✔ Buildings, fixtures and fittings (including fence and gates)
✔ Contents
✔ All risks for specific items
✔ Domestic workers (death or injury per WIBA Act)
✔ Employers legal liability at common law
✔ Owners/occupiers legal liability
✔ Fire, Lightning, Earthquake, Explosion
✔ Theft
✔ Impact damage from road vehicles and falling trees
✔ Riot and strike/malicious damage
✔ Alternative accommodation
✔ Special perils (hail, snow, wind, hurricane, cyclone, tornado, typhoon, flood, rain, impact, aircraft, subterranean fire)

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Quick Summary

Home Insurance protects you against financial loss. Contact our team for a personalized quote and policy details.

Documents Required

Completed Proposal Form
Copy of National ID
Other documents as applicable

How It Works

Claims Process

We resolve claims within 48 hours on average.

Report the Incident

Call our 24/7 helpline or email us immediately.

Submit Documents

Provide your claim form, photos, and policy details.

Assessment

Our assessors evaluate and verify coverage within 24 hours.

Approval & Settlement

Your claim is approved and payment arranged promptly.

Make a Claim

FAQs

Frequently Asked Questions

Does this cover the building or just my belongings?

You can choose. "Buildings cover" protects the structure, while "Contents cover" protects your furniture, electronics, and clothing.

Are my domestic workers covered if they get injured?

Yes, a comprehensive domestic package includes a WIBA section to cover liability for domestic staff like maids and gardeners.

If my laptop is stolen from my car, is it covered under my home policy?

Yes, if you have specifically listed the laptop under the "All Risks" section, it is covered worldwide, inside or outside the home.

Are damages from natural disasters like floods covered?

Yes, standard home insurance covers damage caused by fire, floods, earthquakes, and storms.

What happens if my house is left unoccupied while I travel?

Policies usually have an unoccupancy limit (e.g., 30-45 consecutive days). If the house is empty longer than that, coverage may be suspended unless you notify Cemes.