HOUSE

House insurance protects you if your home is damaged or destroyed

By paying insurance premiums, and satisfying the other requirements of your insurance company, you can protect yourself in the event of loss due to unforeseen and/or catastrophic events.

There are generally two levels of house insurance:

  • Full Replacement Value
    Full replacement value means that should the worst happen and your house is destroyed, your home will be replaced using today’s building materials and methods.

  • Present Day Value
    Present day value means that your policy will cover the cost of rebuilding, replacing or repairing your house to a condition no better than new, less an appropriate allowance for depreciation and deferred maintenance up to the sum insured.

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