Overview

The Milady Household Contents insurance covers households’ contents of the insured whilst in the home or temporarily away at a place of repair against various perils/risks such as.

  • Fire, lightning, explosion, and/or earthquake.
  • Burst water pipes.
  • Storms and floods.
  • Damage to your home and outbuildings by animals, vehicles and falling trees (but not while they are being felled).
  • Aircraft falling on your home or objects falling from the aircraft onto your home.
  • Malicious damage.
  • Break-in or theft where we can see the damage caused by the break-in.
  • Subsidence (sinking) of land and landslips.

Extensions of Cover

  • Contents Temporarily Removed
  • Property outside the Private Dwelling
  • Loss of Money
  • Damage to Television Set
  • Accidental Breakage of Mirrors and Glass
  • Contents of Refrigerators/Freezers
  • Domestic Worker’s Property

Excesses Applicable

Some of the portables to be insured include but not limited to the following.

The excess per risk for Milady Contents/Household are shown below.

ItemExcess
Clothing/Wearing apparel15% of loss
Spectacles10% of loss
Pedal Cycles10% of loss
Video cameras10% of loss
Tools10% of loss
Sports Equipment10% of loss
Camera10% of loss
Laptops/Tablets10% of value
Specified jewellery and valuables(Necklaces, Rings, Ear rings, Pendats,Watches,Bracelets)10% of value

Rates

Type of roofingRateMinimum Annual Premium
Household Contents under standard roofing1.20%$80
Household Contents under thatch roofing1.60%$80

What you need to apply

  1. Fully Completed Miscellaneous Claim Form.
  2. Three repair/replacement Estimates.
  3. Invoices/Receipts
  4. Police Report.