Welcome to the Home Umbrella section. This policy covers multiple risks and gives umbrella cover for all kinds of material as well as liability losses.

Key features:

• Standard policy consists of 9 covers plus two optional covers
• Minimum premium is AED 200 per policy
• Suitable for owners and tenants
• Jewellery and Valuables All Risks Insurance available, which can be extended to cover worldwide exposure up to a maximum period of 90 days while travelling
• Personal laptops can be covered under All Risks Insurance
• Automatic cover granted for tenant's legal liability towards landlords
• Spoilage of frozen food in the deep freezer cover incorporated
• Optional cover for building owner for material damage to the building and associated legal liability

• Household contents covered against fire and allied perils, escape of water, theft or attempted theft, riot, strike and civil commotion, storm, flood and malicious damage, etc
• Contents temporarily removed up to 10% of Contents Sum Insured within the geographic limit for a period not exceeding 30 consecutive days
• Audio/video equipment, home computers, mirrors and glasses against accidental damage occurring in the private dwelling
• Loss or damage to goods contained in a deep freezer from accidental breakdown or explosion of such unit or failure of public supply, subject to a maximum limit of AED 1,500 in aggregate
• Cost of alternate accommodation/Loss of Rent up to 50% of Contents Sum Insured for a maximum period of 6 months
• Legal liability towards domestic servants up to AED 150,000 in aggregate
• Public liability up to AED 1,000,000 for any one accident
• Tenant's legal liability for material damages caused to the property of the landlord subject to a maximum of AED 200,000
• Personal accident (death) caused by fire or thieves for the Insured and spouse up to AED 50,000 per person and AED 100,000 in aggregate
• All Risks Cover (optional) for jewellery and valuables and laptops
• Building (optional cover) on replacement value basis

Personal effects including clothing, jewellery, watches, furs, binoculars, musical, photographic and sports equipments, laptops, cash and credit cards are covered under this section against all risks (except specific exclusions mentioned in the policy) and is extended to cover worldwide for a maximum duration of 90 days whilst traveling)

The exclusions are listed under each section and under general exclusions in the detailed policy wording. We list below some of the main exclusions

• First Dhs 250/- of each and every loss
• loss or damage due to wear & tear, depreciation or any other gradually operating cause
• loss caused by deliberate act or neglect of the insured and its employees
• liability arising out of any mechanically propelled vehicles

For detailed information, please call toll free 800 4746 or email call_center@tameen.ae