Home Insurance.

Coverage

Essential

Preferred

Ultimate

Building/Content Sum Insured

<Sum Insured>

<Sum Insured>

<Sum Insured>

Debris removal & professional fees, loss of rent or alternative accommodation

<10% of Sum Insured>

<10% of Sum Insured>

<10% of Sum Insured>

Accidental Damage

lesser of 10% of Building Sum Insured or $20,000

lesser of 10% of Building Sum Insured or $20,000

lesser of 20% of Building Sum Insured or $40,000

Accidental Damage to Electronic Equipment located in the property

$5,000

$5,000

$10,000

Loss or Damage to Domestic appliances

$10,000

$10,000

$10,000

Additional Benefits
(applicable through A to J refer to plan details)

$2,000

$4,000

$4,000

Personal Effects

$500

$1,000

$1,000

Travel (Baggage & Personal Effects) & Trip Cancellation

$2,000

$4,000

$4,000

Fatal Accident Benefit 

$6,000

$6,000

$12,000

Personal Accident (Insured Sports)

$6,000

$12,000

$12,000

Permanent Total Disablement

$50,000

$50,000

$100,000

Legal Liability to Domestic Employees

$2,000,000

$4,000,000

$5,000,000

Legal Liability as Owner and/or Occupier and in a Personal Capacity

$2,000,000

$4,000,000

$4,000,000

Tenant Liability

$500,000

$1,000,000

$1,000,000

Aerial or Satellite Dish(s)

Yes

Yes

Yes

Automatic annual Increase in Sum Insured at renewal date by 5%

No

No

Yes

Policy Deductibles

Catastrophe Perils: 2% of total sum insured, minimum $1,000

Yes

Yes

Yes

All other perils

$850

$850

$250

Liabilities to Others

$850

$850

$250