[vc_row nfw_row_full_width=”yes” css=”.vc_custom_1437725744209{background-color: #c7eafc !important;}”][vc_column][vc_single_image image=”1295″ img_size=”full” alignment=”right”][/vc_column][/vc_row][vc_row el_class=”gentitle”][vc_column][nfw_headlines nfw_headline_title=”HOME OWNER TAKAFUL” nfw_headline_details=”Insurance Policy’s Introduction”][/vc_column][/vc_row][vc_row full_height=”yes” nfw_row_full_width=”yes” el_class=”gen_box2″][vc_column][vc_row_inner el_class=”gen_box2″][vc_column_inner][vc_column_text]A complete package of Takaful protection.

Takaful provides coverage in the event of damage or loss and will recover or improve your home to normalcy before the occurrence, as well as to ease the burden of the consequences of a disaster or catastrophe.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_height=”yes” nfw_row_full_width=”yes” el_class=”gen_box3″][vc_column][vc_row_inner font_color=”#ffffff” el_class=”gen_box3″][vc_column_inner width=”1/2″][vc_column_text]

Scope of Cover

  • Fire
  • Lightning
  • Explosion
  • Flood
  • Storm
  • Impact Damage
  • Theft
  • Earthquake
  • Water Damage

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What events are protected?

  • Fire
  • Lightning
  • Explosion from home gas pipe
  • Earthquake and volcano
  • Storm
  • Impact, trees, flag poles, the aerial or TV disk
  • Damage as a result of wild animals
  • Burglary and theft
  • Damage due to water resulting from burst pipe or water tank
  • Broken mirror

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Buildings that are protected

  • Private residential buildings that can be locked
  • Outbuildings include offices, sheds or barns, garages, car sheds, a fence in an area home
  • Equipment installed in your building such as lighting, wardrobe, kitchen cupboards and floor boards

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Buildings that are not protected

  • Inns or hostels
  • Hotels or motels
  • Commercial buildings
  • Home exhibitions or shows
  • Any commercial farm buildings

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Contents that are protected

Items that are stored in and around the house, including:

  • Furniture and equipment items
  • Electrical goods such as refrigerator and washing machine, “home theater”
  • Clothing and footwear up to B$ 1,000
  • Toys and sporting equipment exceeding B$ 250/ goods
  • Gardening appliance tools exceeding B$ 250/ goods

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Contents that are not protected

  • All works of art – paintings, drawings or sculptures
  • Music, games and movies – CDs, DVDs, Vinyl records, tapes, cartridges, video games, film discs, legally downloaded digital media and so on.
  • Collectible items – cards, stamps, including First Day Covers, uncirculated coins or bank notes, old or ancient coins or banknotes, gold, bullion, etc.
  • Jewelry and watches
  • Tools used for corporate/business
  • Cash, cheques, money orders, gift vouchers and financial documents that can be traded
  • Land titles, passports, bonds and any other documents that may be transacted
  • Precious stones that have not been designed
  • Materials and building products that were intended but have not yet been installed in your home
  • Pets
  • Items that are illegal, including illegally downloaded digital media
  • Goods intended for sale, distribution, exhibition, show or shipment
  • Stock that is used for any business, trade or profession
  • Vehicles on water except windsurfers, canoe, kayak and unmotorised water skis
  • Trailers, caravans, aircraft or aerial devices
  • Vehicles including any registered motor vehicles and motorcycles

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Additional protection for free

  • Temporary accommodation for homeowners – up to 10% from the number of basic protection (J.P.A)
  • Loss of rent to the landlord – up to 10% from J.P.A
  • Compensation accident (death) arising from fires – up to B$ 10,000
  • Personal items belonging to domestic helpers – up to B$ 200
  • Liability protection (including legal costs for injuries and damage to third party property) – up to $50,000
  • Funeral expenses for home owners only – up to B$ 1,000
  • Transfer and storage of your home up to 5% from J.P.A
  • Demolishing and removal of debris – up to 5% from J.P.A
  • Reconstruction of payment (including payments of architects) – up to 5% from J.P.A

[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_height=”yes” nfw_row_full_width=”yes” el_class=”gen_box4″][vc_column el_class=”headnospace”][nfw_headlines nfw_headline_title=”Profit Returns” nfw_headline_details=”Insurance Policy’s Profit Returns”][vc_row_inner css=”.vc_custom_1437722820300{padding-top: 20px !important;padding-bottom: 10px !important;}”][vc_column_inner el_class=”headnospace”][vc_custom_heading text=”Participants under this scheme shall receive Al-Mudharabah (Profit Returns) from the surplus fund on condition that the participant have not incurred any claims and/or not received any benefit under their certificates whilst it is in force.” font_container=”tag:h2|font_size:16|text_align:left” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:600%20bold%20italic%3A600%3Aitalic”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height=”55px”][/vc_column][/vc_row]

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