Perils covered under insurance of the buildings

• Fire, explosion, lightning, thunderbolt and subterranean fire
• Earthquake, volcanic eruption and tsunami
• Flood
• Windstorm, hurricane and tornado
• Riot and Strike, labour or political disturbances
• Malicious persons
• Collapse due to subsidence or landslip
• Escape of water from a fixed water, drainage or heating installation or from a washing machine, dish washer or waterbed
• Theft or attempted theft
• Collision by an aircraft or other aerial devices, (-and anything dropped from them), vehicles or animals
• Falling radio or television aerials (including satellites dishes) their fittings and masts
• Falling trees or branches or utility poles. We will pay for the cost of removal provided that they have caused damage to the insured buildings.

Specific exclusions apply to the policy cover.
Refer to Guardian General HOMEGUARD policy for further details on the cover provided.

Additional coverage to the perils via extensions

• Underground pipes and cables subject to a maximum of $10,000 in the aggregate per policy period
• Debris Removal and Professional Fees
  • Debris Removal – Up to 5% of the building Sum Insured in the aggregate per policy period.
  • Architects, surveyors, consulting engineers, legal and other professional fees – Up to 10% of the building Sum Insured in the aggregate per policy period.
• Damage to fixed glass and sanitary fixtures subject to a maximum of $10,000 in the aggregate per policy period.
• Loss of rent/Cost of Temporary Accommodation – Up to 10% of the building Sum Insured in the aggregate per policy period.
• Emergency Access – Subject to a maximum of $1500.00 in the aggregate per policy period.
• Purchaser’s Interest – Sale of Private Residence
• Replacement of Door Locks and Keys – Up to $1000 in the aggregate per policy period.

Specific exclusions apply to the policy cover.
Refer to Guardian General HOMEGUARD policy for further details on the cover provided.

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