Property Micro Insurance
Cover for homes, shops and small enterprises against fire, flood, earthquake, landslide and burglary.
Your property represents years of work. Property Micro Insurance safeguards homes, shops and small enterprises against events that would otherwise wipe out that investment overnight.
Cover is written flexibly around the property type and location, with sums insured and premiums scaled for households and micro-enterprises rather than large corporates.
Property Micro Insurance
Cover for homes, shops and small enterprises against fire, flood, earthquake, landslide and burglary.
Coverage options
Fire & allied perils
Damage caused by fire, lightning, explosion and related incidents.
Natural disasters
Protection against flood, earthquake, landslide and storm.
Burglary & theft
Loss or damage following forced entry or malicious theft.
Accidental damage
Unintentional damage to the property from sudden, unforeseen events.
What you get — and what you don’t
Key benefits
- Sum insured tailored to a household or micro-enterprise budget
- Cover for both the building and its contents
- Simple documentation and a plain-language policy wording
- Optional rent-loss cover while the property is uninhabitable
Main exclusions
- Wear and tear, gradual deterioration or lack of maintenance
- Loss arising from war, invasion or nuclear risk
- Wilful damage caused by the insured or a member of the household
- Property under construction unless specifically declared
How a claim works
- 01
Report immediately
Call your branch as soon as the property is safe to leave.
- 02
Preserve the scene
Leave damaged items in place until the surveyor has inspected them.
- 03
Submit documents
Provide ownership proof, photographs and the official incident report.
- 04
Settlement
The assessed amount is paid once the survey report is approved.
Documents to keep ready
- Copy of the policy schedule
- Ownership evidence — land certificate or rent agreement
- Photographs of the damage
- Fire brigade or police report where applicable