It is believed that the most valuable physical asset that an individual will own is their home and its contents, seconded by a motor vehicle or motor vehicles. Those who live in rented houses or apartments will generally possess furniture an other valuable belongings which can be damaged by fire, theft, accidental damage or breakage etc.

Reunion Insurance company came up with the chisa domestic policy to carter for the needs of both the urban and rural home owners. Apart from covering the private dwelling house/apartment/flat and its contents, the chisa domestic policy also covers the following: Motor vehicles, cycles, trailers(for private usage), personal liability, all risks, pleasure craft, golfers, personal accident. This is truly a packaged policy conveniently designed with various sections.

Any person owning or renting a private dwelling house and ensure that there is cover for either the house or the contents therein, and any additional two sections qualifies for the chisa domestic policy.

There are more compelling reasons as to why you should shift from buying the conventional house owners/householders and get a chisa policy instead for the following reasons:

• Scope of cover

(a) Property insured while on the premises against theft or damage by thieves as a result of forcible and violent entry into or exit from the premises.




(b) Damage to the said premises, for which you are responsible as a consequence of such forcible and violent entry or exit or any attempt thereat

• Riot and Strike

It is not the company policy to extend theft policies to cover the risks of riot, strike and malicious damage. The risks of riot, strike and civil commotion are regarded solely as risks for the fire policy where the cover is available if full riot cover is taken and not just riot fired cover is taken

• First loss policy

Under the first loss basis, the sum insured which is also maximum limit per event is your estimated maximum probable loss by theft

However, the full value of the property must also be disclosed and consequently shown in the schedule and all stock items must be made subject to the first loss average clause.

In case of a claim, the company's limit of liability is the first loss sum insured. As our rating is based on the total value at risk, this figure should be revised regulary. The FDV (Full Declared Value) should mirror that which is insured under the Fire Policy.

• Full Declared Value (FDV)

The sum insured is the full declared value of the property at risk which is also the company,s limit of liability in the event of a claim

• Acceptance

• Flexibility