Why insure your home?
Whether you own or rent, a good home insurance is essential to protect you, your family and your possessions. It is better to anticipate an incident like a simple leak or the inconvenience of a burglary and to protect your home from more serious risks such as fire, cyclone and flooding.
It can be far more cost effective to insure your home than it is to pay for major repairs, replace expensive items or pay compensation following an accident at your residence. Your home is often your biggest investment and choosing the right level of cover will ensure it is well protected when you need it most.
SCOPE OF COVER |
ECOEco pour une couverture à minima |
ESSENTIELEssentiel pour parer aux aléas |
EXCELLENCEExcellence pour une tranquillité d’esprit |
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Fire & Lightning
Whether resulting from explosion or otherwise |
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Cyclone and Flood
Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave |
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Riots, Strikes
Riots, strikes, lock outs and malicious damage |
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Earthquake
Earthquake, volcanic eruption and tsunami caused thereby |
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BUILDING | |||
Impact, explosion
Impact by land vehicles/animals, aircraft and aerial device dropped from them |
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Subsidence, Collapse, Landslide or Ground Heave
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Bursting or overflowing of water tanks, Apparatus or Pipe
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Burglary
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Contents
Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000. |
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Personal Liability
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Registered household employee
Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses. |
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All Risks
Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy |
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Electronic Equipement
Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad) |
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Personal accident
"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages: |
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ADD-ONS EXTENSIONS: | |||
Additional benefits
Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe. |
Optional
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Outdoor Contents
Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000 |
Optional
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The figures communicated are subject to the conditions of the contract.
Whether resulting from explosion or otherwise
Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave
Riots, strikes, lock outs and malicious damage
Earthquake, volcanic eruption and tsunami caused thereby
Impact by land vehicles/animals, aircraft and aerial device dropped from them
Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000.
Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses.
Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy
Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad)
"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages:
- Permanent disability: coverage from Rs 100 000
- Medical expenses: Rs 10 000"
Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe.
Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000
Whether resulting from explosion or otherwise
Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave
Riots, strikes, lock outs and malicious damage
Earthquake, volcanic eruption and tsunami caused thereby
Impact by land vehicles/animals, aircraft and aerial device dropped from them
Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000.
Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses.
Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy
Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad)
"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages:
- Permanent disability: coverage from Rs 100 000
- Medical expenses: Rs 10 000"
Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe.
Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000
Whether resulting from explosion or otherwise
Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave
Riots, strikes, lock outs and malicious damage
Earthquake, volcanic eruption and tsunami caused thereby
Impact by land vehicles/animals, aircraft and aerial device dropped from them
Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000.
Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses.
Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy
Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad)
"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages:
- Permanent disability: coverage from Rs 100 000
- Medical expenses: Rs 10 000"
Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe.
Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000
The figures communicated are subject to the conditions of the contract.
THE RIGHT LEVEL OF COVER ?
MUA understands that every home is different, and every owner or tenant has their own priorities when it comes to protecting their property. We have designed 3 levels of cover adapted to your needs, lifestyle and budget:
- Eco covers your building against major risks
- Essentiel covers your building, its contents and your personal liability
- Excellence a comprehensive insurance package for complete peace of mind for you and your family
MUA home insurance covers the modification costs in case you or a member of your household becomes disabled
Costs related to locating the source of the water leak
We compensate you for damaged food products if you refrigerator has a mechanical or electrical failure
We cover outdoor furniture, barbecues and ornaments
Client Portal: an easy to use client portal that allows you to manage and renew your policies, make and track your claims and make payments from the comfort of your home
Customisable limit for personal liability
If your home is equipped with certain security features, you may be eligible for a discount on your premium
Protect your household employees and your guests against accidents.
You can protect your possessions against accidental damage or loss, even when you are outside your home.
Securing your premises after major damage will protect your property when it could be vulnerable
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