Home Owners Insurance
Protect Your Home. Protect Your Peace of Mind.
Your home is one of your most valuable investments. At Advanced Insurance Agency Limited, we offer comprehensive Home Owners Insurance solutions that protect your house and household contents against unexpected risks such as fire, burglary, and natural disasters.
What Our Home Owners Insurance Covers
Building Cover
Protects the structure of your home against:
- Fire and explosion
- Lightning and natural disasters
- Floods and storms (subject to policy terms)
- Accidental damage
Household Contents Cover
Covers loss or damage to household items such as:
- Furniture and fittings
- Electronics and appliances
- Clothing and personal belongings
Burglary & Theft
Provides compensation for loss or damage resulting from burglary or forcible entry into your home.
All-Risk Optional Cover
Offers wider protection for valuables such as electronics, jewelry, and portable items against accidental loss or damage.
Who Needs Home Owners Insurance?
- Homeowners
- Landlords
- Mortgage holders
- Residential property owners
Key Benefits of Home Owners Insurance
- Financial protection against property loss
- Coverage for both building and contents
- Affordable and flexible cover options
- Peace of mind for homeowners and families
Why Choose Advanced Insurance Agency Limited?
- Access to reputable insurance underwriters
- Tailored home insurance solutions
- Competitive premium rates
- Professional advice and support
- Reliable claims assistance
How Home Owners Insurance Works
- Assess the value of your home and contents
- Choose the appropriate level of cover
- Pay affordable premiums
- Get compensated in case of loss or damage
Click To Call: 0722494303
Frequently Asked Questions (FAQs) – Home Owners Insurance
1. What does home owners insurance cover?
It covers damage or loss to your home and household contents due to fire, burglary, natural disasters, and other insured risks.
2. Can I insure both the building and contents under one policy?
Yes. Home owners insurance allows you to insure the building and contents under a single policy.
3. Does home insurance cover burglary and theft?
Yes. Burglary and theft are covered, subject to policy terms and conditions.
4. Are tenants allowed to take home owners insurance?
Tenants can insure their household contents, while landlords insure the building structure.
5. How is the premium calculated?
Premiums are based on the value of the building, contents, location, and selected cover options.
6. Are natural disasters covered?
Some natural disasters are covered, while others may require additional cover depending on the policy.
7. What should I do in case of a loss?
Report the incident immediately, document the loss, and notify us to assist with the claims process.
8. Can I update my cover if I buy new household items?
Yes. You can update your policy to reflect changes in the value of your household contents.
9. Is home owners insurance mandatory?
It is not mandatory, but it is highly recommended, especially for homeowners with mortgages.