The ESRIC Houseowners’ Insurance covers the insured buildings, immovable fixtures and fittings, outbuildings, walls, gates, fences (hedges not included) on the same premises and used solely in connection with the insured house. All the above are covered against loses or damage resulting from either of the following: Accidental damage to structure of house, fire & lightning, power surge, earthquake, bursting or overflowing of water tanks/pipes, riot, strikes & malicious damage, storm, wind, water, hail or snow, explosion, accidental impact & falling objects, housebreaking, theft or attempted theft accompanied by actual forcible and violent entry or existing from the building at the premises.

Click here to download the Home Owner's Insurance brochure.

This policy also covers property related extensions, such as, derbies removal, costs of removal of fallen tree, architect and surveyors fees.

Pricing examples for standard constructed houses;