HOME HELP MULTI COVER INSURANCE - Covers the contents of your home and your personal belongings.

• Contents and Personal Belongings including Money, Jewellery and valuables covered against fire and named perils
• Storm, Typhoon, Tempest, Flood covered up to agreed limits of the Maximum Sum Insured declared for insurance

Policy coverage includes In the event of the insured residence being damaged by one of the named perils:

• Rent for temporary alternate accommodation for up to 6 months or as agreed
• Expenses for shifting to the temporary alternate accommodation and back to original residence as agreed
• Repair or replacement of the External Windows/Doors and/or Safe if damaged by an insured peril
• Replacement of Locks of Private Vehicles (Cars & 4WDs), if keys are stolen
• Replacement of Main Door Lock or Safe if keys are stolen Loss or Damage to Visitors’ or Guests’ property by an insured peril
• Fire Brigade & Extinguishing Expenses
• Expenses for getting duplicates/re-issue of Passports, Driving Licenses and ID cards if damaged by an insured peril
• Coverage whilst at another premises for cleaning, renovation, repairs or maintenance (STF perils excluded).
• Cover includes road transit risk while being moved for cleaning, renovation or maintenance.
• Coverage whilst at a temporary accommodation elsewhere within Oman – up to a maximum of 30 consecutive days or as agreed
• Legal liability to Landlord for Loss/Damage to Landlord’s property due to an insured peril upto 50% of the Maximum Sum Insured declared or as agreed.
• Legal liability to the Neighbours /Third Parties for damage to property due to an insured peril for up to 50% of the Maximum Sum Insured declared or as agreed.

Note:

• Cover subject to Terms, Conditions, Limitations and exceptions of Home Insurance policy
• Limits and Sub-limits apply. Refer to Insurer for further details
• This insurance will be operational only if the walls of your residence are built of Bricks or Concrete Blocks in Cement Plaster and the roof is of Reinforced Cement Concrete, or they are of better materials.

The Insurance cover is valid only as agreed by the Insurer subject to policy terms and conditions.

• If the insured is a Citizen / Resident of the Sultanate of Oman
• If the insured residence is of First Class Construction with atleast Brick Walls and Roof
• If there has been no loss or claim at the insured location for past 3 consecutive years or as agreed.
• After 48 hours from the time of purchase or as agreed.

DISCLAIMER

The above is a brief information of the covers available under the Policy. Please request for a copy of the Insurer's Terms and conditions of the policy which shall be binding and considered as final basis for settlement of any dispute