Home Protect Insurance

All Home Insurances

Home Protect Insurance

A comprehensive home insurance policy, Home Protect is the ideal cover to protect your most valued asset against unexpected and unavoidable risks and liabilities. Home Protect covers your home, your family, and your valuables and your domestic staff in the event of a disaster.

Terms & Conditions

  • The building should be used exclusively as a private dwelling/home and not for other purposes or domestic industries.
  • The premises should be in a good state of repair.
  • The structure must be walled with bricks/concrete/cement blocks and roofed.

Benefits

Protection Against Perils

  • Fire and lightning, Explosions, earthquakes, cyclone/storm/tempest and flood, natural disasters, falling trees, telephone poles and light posts, aircraft damage, burglary, housebreaking or any attempt of theft.

Additional coverage options

  • Terrorism, riot, strike and civil commotion, malicious damage
  • Accidental damage to fixed and plate glass
  • Personal accident cover for named family members and accidental death or total permanent disability of domestic staff – hospitalization allowance due to injuries sustained at work (age limit 60 years).


Coverage for Damage:

  • Accidental breakage of mirrors other than hand mirrors etc.
  • Public liability cover


Extended Personal Accident Cover:

  • For the insured and natural death cover (age limit 70 years for the insured).


You can protect your house by insuring:

  • Buildings, gates, swimming pool, boundary walls etc.
  • Contents including furniture, electricals and electronics
  • Valuables and personal effects such as jewellery, personal cash at premises, precious stones, electronic equipment (laptops, phones, personal cameras, tablet PCs etc), musical instruments
  • Paintings and antiques

Eligibility

  • Policyholder should have an insurable interest in the asset.
  • Must be eligible to sign an insurance agreement as per the legislation framework of Sri Lanka.
  • The insuring property/assets should be within the geographical limits of Sri Lanka.

Reimbursement Provisions

  • Expenses for debris removal, alternative accommodation during the rebuilding period.
  • Damages to service lines within the premises (electricity, water, gas supplies, etc.).
  • Professional fees (engineer, surveyor and architect expenses).
  • Reproduction cost of documents and deeds.

Empower your journey with confidence

protect your vehicle and yourself with insurance tailored for women.

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