The house together with its garages and outbuildings all used for domestic purposes at the address stated in the Schedule.
That part of the home which is occupied as a private dwelling.
You and
- members of your family
- domestic employees who normally reside with you
For the purposes of this definition:
- ‘members of your family’ shall include your spouse or domestic partner, your
children, parents and other relatives (or those of your spouse or domestic partner)
- ‘domestic partner’ shall mean a person residing with you with whom you
have a long-term relationship involving shared responsibilities
The buildings of the house together with patios, including landlord’s fixtures and fittings therein and air conditioning units, solar hot water heaters and domestic water tanks but excluding awnings swimming pools, waterside structures, boundary walls, gates, fences and retaining walls’.
Docks, jetties, piers, sea walls and any other structure abutting the sea, a river or any other body of water.
Permanent pool structures together with pump-houses and permanently installed pool equipment and accessories including all related pipes and cables.
Architects’, Surveyors’ and other Professional and Legal Fees reasonably and necessarily incurred in reinstatement, repair or replacement of the Property Insured but excluding Fees incurred in preparing or furthering any claim under the Policy.
The costs of removing debris, demolition, shoring-up or propping necessarily incurred in the course of reinstatement, repair or replacement’.
Professional valuations carried out no more than 3 years ago.
Earthquake or Volcanic Eruption, Storm, Tempest or Hurricane, Flood or Overflow of the sea.
Fire, Lightning, Explosion; Riot, Strike and Malicious Damage; Aircraft and Impact damage
A clause that says that if you do not maintain your sum insured at the full value of the property, your claim will be reduced by the percentage of under-insurance.
This is the first part of a claim that is not covered by your insurance policy.
The existing deductible that applies to all Home Insurance policies in Jamaica and is 2% of the sum insured of your property.
The reasonable additional expense actually incurred by you for temporary alternative accommodation while your house is being restored to a liveable condition, following damage by an insured peril.
The rent you will lose while your house is being restored to habitable condition, following damage by an insured peril.
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