First Section : Comprehensive Loss or Damage to the Buildings and Contents

The Company will indemnify the insured against loss of or damage to the properties specified in the schedule of the policy which may occur whilst being inside the insured’s house during the period of insurance and not exceeding the total sum insured of the policy

The loss or damage should arise directly from the occurrence of one of the following risks :-
Fire , explosion and earthquake .
Storm , wind and flood .
Malicious acts from any person who is not a member of insured’s family or from persons not working for his / her services including theft ( or theft trial ) accompanied with violence or breakage or which may occur due to the using of false keys .
Riots and civil commotion .
Leakage of water pipes or tanks due to sudden reasons or by intended acts from persons not members of insured’s family or from persons not working for his / her services .


The policy is to cover also the loss of or damage to the subjects insured which may arise from one of the aforesaid risks whilst being transported or whilst being existed temporarily anywhere within the A.R.E. provided always that :-
No other insurance is valid
Company’s liability for any loss or damage shall not exceed 25 % of total sums insured specified in the Schedule .



Second Section : Personal Accident Insurance for the Insured and Spouse

The Company will pay to the legal heirs of the insured or to the legal heirs of the spouse or to the beneficiaries mentioned in the policy schedule a sum equal to the sum of contents or EGP 100.000 whichever is less .


Third Section : Compensation of Rent

The company will indemnify the insured for any sums which he / she will pay as rent in any other house or hotel due to the occurrence of one of the risks specified in the first section provided always that the occurrence of such risks will make the house not suitable to live in .
The indemnified period shall not exceed the necessary period for reinstating to the house ready for living or 3 ( Three ) months whichever is lesser .



Forth Section : Liability towards owner

The Company will indemnify the insured against legal liability towards the owner of the house specified in the schedule of this policy due to the occurrence of any risk specified in the first section during the period of insurance .


Fifth Section : Third Party Liability Insurance

The company will indemnify insured against legal liability towards third party liability ( excluding family members ) for the accident which may occur during the period of insurance and may cause bodily injury and / or property damage to third parties due to :-
The occupation of the house specified in the policy schedule...
Keeping domestic animals in the said house.