a. House Section
The House Insurance section covers the cost of loss or damage to the building and other structures like cottage, garage, fences, durawalls, water tanks, solar systems and paved drivewaysif included in the value insured. The insured amount should be the gross rebuilding value. It also provides liability cover for amounts you should pay others for bodily injury or death or property damage. For example if your tree falls onto your neighbour’s house. Extensions for loss of rent, replacement of locks and keys and alternative accommodation following a loss are available.
b. Contents Section
Contents insurance covers loss or damage to your contents at your home or worldwide for portable things like laptops. You can insure all your contents or selected ones only. For portable contents, they have to be separately listed as they have an all risks cover on a world-wide basis.