HOUSE OWNERS/HOUSE HOLDERS POLICIES & ‘ALL-RISK’ INSURANCE

House owners’ policy is specifically designed to suit House owners to cover their buildings, flats and other types of residential accommodation which may be owned or rented out. Under the terms of the lease, the owner may be obliged to make good any damage rendering the place inhabitable. It covers a range of perils including your legal liability as house owner.
  
Whereas the Householders policy provides cover for the contents of residential buildings where the occupier is not the owner. The cover provided is comprehensive including Burglary, Fire & Legal Liabilities as occupiers.

ALL RISKS INSURANCE: Is an extension of both policies mentioned above to provide an ‘all risks’ cover to valuables or sophisticated equipment which requires protection beyond the normal scope of fire and burglary. Scope of cover is worldwide. 
  
‘All risks’ insurance policy is only recommended for personal effects or valuable company artifacts. Items to be insured should be specifically mentioned while the scope of cover is worldwide.