Kurnia.com - Indonesia - HomeSafe Standard

HOMESAFE STANDARD

Email to Friend

POLICY DETAILS

Basic Cover

Extra Benefits

Extensions

How To Buy

BASIC COVER

HomeSafe Standard is a home package insurance that protects you against loss of or damage to your residential building and contents due to a wide range of perils such as:

	Fire, lightning, explosion, falling by aircraft and smoke damage
	Riots, strikes, malicious damage and civil commotion
	Earthquake or volcanic eruption
	Hurricane, cyclone, tornado, windstorm and flood
	Subsidence and landslip
	Impact of vehicle and animal
	Falling tree or branches
	Bursting or overflowing of water tank or apparatus
	Theft accompanied by actual forcible and violent breaking to premises in to buildings
	Accidental damage to contents and underground pipes and cables
	Accidental breakage of mirror or fixed glass

EXTRA BENEFITS

In addition to loss of or damage to your property, HomeSafe indemnifies you the following without any additional premium:

	Loss of or damage to personal effects of your domestic servant whilst such personal effects are contained in your residential building.
	Reasonable additional expense for alternative accommodation and loss of rent payable to you during the period necessary for reinstatement of your residential building.
	Personal Liability that is all sums which you will become legally liable to pay as a compensation in respect of accidental death or bodily injury of any person or accident loss of damage to a third party’s property due to your occupying of your residential premises. This includes legal liability of your spouse and children under 21 years of age.
	Compensation to your personal legal representatives if you and/or your spouse shall suffer bodily injury caused by violent external and visible means and sustained as a result of a fire, robbery or theft within the home and if such bodily injury shall within 3 (three) calendar months result in the death.

up to the limits specified in the Policy.

EXTENSIONS

HomeSafe also includes the following extentions automatically in the Policy:

	Loss of or damage to your residential contents whilst temporarily removed from your residential building but remaining in the Republic of Indonesia for maximum period of sixty (60) days Period of Insurance.
	Automatic reinstatement of sum insured upon the happening of any loss of damage covered by your Policy subject to pro-rata premium.
	The cost of removal of debris, demolition and temporary repairs necessary consequent upon the destruction of or damage to your property occasioned by fire or any other insured peril.
	Architects’ Surveyors’ Legal and Consulting Engineers’ Fees that applies only to those necessarily and reasonably incurred in the reinstatement or repair of property insured consequent upon its destruction of damage.
	Reasonable charges raised by any Local Authority for the provision of the Fire Fighting Appliances called for the purpose of protecting the premises.
	Loss of or damage to the fire extinguishing appliances caused by the insured perils including the reasonable costs of refilling the fire extinguishing appliances as a direct result of the use of the fire extinguishing appliances for the extinguishments of fire endangering the safety of the insured property.
	Alterations, additions and improvements in excess of the sums insured for buildings specified in the Policy.
	Reinstatement value.
	All sums for which the you will become legally liable to pay to the owner of the residential building, consequent upon the occurrence of accidental loss of or damage to the building in connection with the your tenancy of the building.

IMPORTANT:

The content of these pages is merely a general outline of our product and is not a Policy of insurance. For full details of terms and conditions, please refer to its Policy Wording.

HOW TO BUY

	Buy directly from Kurnia Branch
	Make Product Enquiry

Email to Friend