Oman United Insurance

Home Insurance

Your home is one of your most valuable assets. Our Householders policy is designed to provide you with a simple and basic insurance cover for your home (including walls, roof, fixtures and fittings, garages, gates and fences), household contents, personal belongings and legal liability at an affordable cost.

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Loss or damage due to

Fire, Lightning, Thunderbolt or Subterranean Fire
Explosion
Riot Strike & Civil Commotion Malicious Damage
Aircraft or other Aerial Devices or any Articles dropped there-from
Bursting or Overflowing of a Water Tank Apparatus or Pipe
Burglary, Housebreaking Theft or Larceny
Impact Damage
Earthquake or Volcanic Eruption
Storm, Tempest & Flood

Key Benefits

Building & Contents.
Alternative Accommodation and loss of rent: If the home becomes uninhabitable following an insured peril, reasonable additional expenses for alternative accommodation or loss of rent receivable up to 10% of the Sum insured on building.
Legal Liability: In respect of accidental bodily injury and/or accidental property damage occurring in or about the building during the policy period.
Tenant Liability: It protects you for damages caused to the building/apartment rented by you following an insured peril and for which you are held legally liable as a tenant.

Key Exclusions

Loss or damage to property occasioned by its termination
Nuclear risks
War and Terrorism
All kind of Political risks including but not limited to the Terrorism & Sabotage
Asbestos Clause
Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons
Normal Wear and Tear
Inherent defects
Fines/ Penalties on the insured
Date Recognition Clause
Any direct or indirect loss by infectious disease, outbreak of epidemics & pandemics
Bullion or precious stones

Download Section

– Householder Comprehensive Insurance Policy
– Householder Comprehensive Insurance Proposal Form