Scope of Cover

The NEM Home Protection Policy is designed to provide protection against losses on household content in a residential building.

The policy covers losses from:

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Fire, lightning, explosion, and special perils such as flood from rainfall, water from home piping damages, aerial devices, storm, wind, and property damage on temporary removal (transit risk). Losses on household contents in the event of these perils will be covered to the limit of the insured package.

Domestic accidents leading to hospitalization. Medical expenses for the accident are covered to the limit of the insured package.

Personal liability to the limit of the insured package.

The policy aims to provide immediate relief to the insured in the event of losses arising from any of the above perils common to residential buildings.

The policy comes in different packages to provide options for proposers based on the size of content that the proposer is willing to insure.

All occupiers of residential buildings—either tenants or landlords—are eligible to take this protection policy.

Policy Exclusions

Tenant or landlord living in makeshift houses with walls made of wood, bamboo, polythene, and zinc.

Cash, laptop, jewelry, and mobile phones are not covered.

This policy does not cover the failure to pay rent.