Page 21 - Hollard Namibia – Motor & Household Policy Wording

Household contents
What we cover you for
You are covered against loss or damage to household contents caused directly by the following insured events:
Fire
Fire, lightning or explosion
You are covered for loss or damage to: o the contents of your home
o your contents in any other residence where you may be residing temporarily that is caused by fire, lightning or explosion.
Weather and earthquake
Storm, wind, water, hail, snow or flood
You are covered for loss or damage to: o the contents of your home
o your contents in any other residence where you may be residing temporarily that is caused by storm, wind, water, hail, snow, or flood.
However, this does not apply to property that is out in the open or not under a roof, unless it is something designed to operate and kept in the open, like garden furniture.
You are also covered for loss or damage to your contents arising from an earthquake. However, this excludes earth tremors caused by mining operations.
Leaks, flooding
Overflowing of water apparatus; leakage of oil
You are covered for loss or damage to: o the contents of your home
o your contents in any other residence where you may be residing temporarily that is caused by leaking oil heaters and the overflowing of water apparatus.
Impact
Impact with the building by falling trees, vehicles, aircraft or animals.
You are covered for loss or damage to: o the contents of your home
o your contents in any other residence where you may be residing temporarily
that is caused by sudden impact by falling trees, vehicles, aircraft or animals. Cover does not apply if the event is caused by an external source, such as tree fellers.
Examples
Bursting pipes, overflowing water tanks, bursting geysers and sudden leakage of oil from heaters.
Example
A tree falling onto your home. However, cover does not apply for damaged caused by tree fellers or building contractors in the course of work they are doing for you
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