This policy covers household contents/items; It covers risks such as lighting, explosion, theft, impact, earthquake and water impact to household contents which are insured. It has a territorial scope limited to Zambia.


The Insurers will, subject to the Sum Insured and Limits of Liability indemnify the Insured by payment of cash the amount of the loss or damage or at their option repair, reinstate or replace any property lost or damaged occurring during any one Period of Insurance.

Perils Covered

(i) Fire, lightning, explosion, earthquake, thunderbolt, subterranean fire or volcanic eruption.
(ii) Storm, tempest or flood.
(iii) Impact or collision involving any:
(a) Vehicle, train, aircraft, or other aerial devices or anything dropped from them or collapse of television or radio aerials or masts.
(b) animal.
(iv) Riot, strike, civil commotion, lock-outs, labor disturbances or malicious acts.
(v) Escape of water or oil from any fixed water or fixed heating installation or washing machine.
(vi) Theft or attempted theft, provided violent and forcible means are used to gain entry or exit.