Fed up with penny pinching and large deductions for wear and tear when making a claim? Providing you maintain your home in a good state of repair and keep your sums insured adequate, you should not experience such problems when you take out a policy with us.

Theft coverage from the home is not restricted to apply only after "forcible and violent entry or exit". Some limited cover is given for the theft of items in your custody outside of the home, although for full cover away from your premises, you should choose the "All Risks" option. If you are currently insured elsewhere, compare the theft coverage with what we can offer you.

With society becoming more litigation-conscious, you need to be protected against potential liabilities in or around your home or as a private individual outside your home.

Around Christmas or a wedding, there are often extra contents in the home such as gifts and additional food and drink. The policies we issue automatically increase the Contents sum insured at no extra cost around these occasions.

Protect your jewellery and other valuables by insuring them on an "All Risks" basis. This coverage is particularly wide, including accidental loss or damage anywhere in the world, subject to only minimal limitations.

Although the normal limit of $250,000 is sufficient for most people, it can be increased to $500,000 or $1,000,000 for a small premium.

To protect these items they must be insured specifically with separate sums insured.

If you wish to cover loss of rent or the cost of alternative accommodation caused by a catastrophe peril (hurricane, storm etc.) we can discuss your needs with you.