Home is the place where your heart can rest

Which is why we at HNB Assurance are offering you an innovative insurance product that protects your home and everything you cherish.

This special insurance package caters to those who are looking for an economical solution for a home insurance policy. The policy is sure to give you peace of mind, security and much more for a very low premium.

PERILS COVERED UNDER THE POLICY

1. FIRE & LIGHTNING

2. EXPLOSION
Covers destruction or damage (by fire or otherwise) of or to the property insured directly caused by a boiler used for domestic purposes only.

3. IMPACT
Covers destruction or damage to the property insured directly caused by IMPACT with any road vehicle or animal not belonging to, or under the control of the insured.

4. AIRCRAFT DAMAGE
Covers destruction or damage to the property insured directly caused by AIRCRAFT and other aerial devices or articles dropped therefrom.

5. CYCLONE, STORM AND TEMPEST
Covers destruction or damage to the property insured directly caused by CYCLONES, STORMS AND TEMPESTS.

6. FLOOD
Covers loss or damage to property insured (including loss or damage by fire) directly caused by flood which for the purpose hereof shall mean the escape of water from the normal confines of any natural or artificial water course or lake or reservoir or canal or dam, (but excluding destruction or damage by bursting or over-flowing of water tanks, apparatus or pipes).

7. BURSTING AND OVERFLOWING OF WATER TANKS, APPARATUS OR PIPES
Covers destruction or damage to the property insured directly caused by bursting or overflowing of Water Tanks, Apparatus or Pipes but excluding destruction or damage caused whilst the building is untenanted.

8. EARTHQUAKE, FIRE AND SHOCK
Covers loss or damage to the property insured occasioned by or through or in consequence of an earthquake.

9. ELECTRICAL FIRE AND LIGHTNING DAMAGE TO ELECTRICAL APPLIANCES AND INSTALLATIONS

10. BURGLARY
Covers property insured stolen from the premises involving entry to or exit from the premises by actual forcible and violent means

11. NATURAL PERILS
Covers losses due to Tsunami, Tidal Waves, Volcanic Eruptions, Hurricanes, Typhoons and Tornadoes due to an atmospheric disturbance so designated by the Meteorological Department.