Home Guard is home insurance that provides for indemnity to property, building and contents. Home Guard also caters for legal liability as Owner, Occupier & Tenant, all types of dwellings are eligible for coverage, concrete, mixed (wood & concrete) and wooden. Rates are extremely competitive, with discounts applicable to annual, Semi-annual and quarterly payments.

Home Guard also has optional coverage which could be applied for, which include subsidence or landslip and alternative accommodation or loss of rent due to any covered peril. The Free Look provision and Automatic Reinstatement, are just some of the provisions that make this policy one of the most attractive in the market today.

 Some of the covered perils include:

• Fire, Lightning & Explosions

• Smoke

• Earthquake, Tropical Storms

• Hurricanes, Flood & Volcanic Eruptions

• Escape of water or oil from fixed installation or appliance

• Riot, Strikes

• Civil Commotion

• Vandalism

• Theft / Attempted Theft

• Falling Trees and Branches

• Damage Impact by Vehicle, Animal or Aircraft 

This particular policy also has additional coverage for any perils covered as above:

• Fatal injury expenses

• Replacement and installation of door locks

• Professional fees necessary to rebuild or repair home

• Removal of debris

• Accidental breakage of sanitary fixtures, sinks, baths etc

• Damage to contents temporarily removed from your home

• Breakage of external antennae