PERSONAL
HOME
INSURANCE
Why insure your home?

Whether you own or rent, a good home insurance is essential to protect you, your family and your possessions. It is better to anticipate an incident like a simple leak or the inconvenience of a burglary and to protect your home from more serious risks such as fire, cyclone and flooding.


It can be far more cost effective to insure your home than it is to pay for major repairs, replace expensive items or pay compensation following an accident at your residence. Your home is often your biggest investment and choosing the right level of cover will ensure it is well protected when you need it most.

COMPARE OUR
HOME INSURANCE PLANS

SCOPE OF COVER

ECO

Eco pour une couverture à minima

ESSENTIEL

Essentiel pour parer aux aléas

EXCELLENCE

Excellence pour une tranquillité d’esprit

Fire & Lightning

Whether resulting from explosion or otherwise
 

Cyclone and Flood

Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave

Riots, Strikes

Riots, strikes, lock outs and malicious damage

Earthquake

Earthquake, volcanic eruption and tsunami caused thereby

BUILDING
Impact, explosion

Impact by land vehicles/animals, aircraft and aerial device dropped from them

Subsidence, Collapse, Landslide or Ground Heave
Bursting or overflowing of water tanks, Apparatus or Pipe
Burglary only
Burglary and Theft
Contents

Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000. 

Personal Liability
Registered household employee

Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses.

All Risks

Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy

Electronic Equipement

Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad)

Personal accident

"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages:
- Permanent disability: coverage from Rs 100 000 
- Medical expenses: Rs 10 000"
 

ADD-ONS EXTENSIONS:
Additional benefits

Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe.

Optional
Outdoor Contents

Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000

Optional

The figures communicated are subject to the conditions of the contract.

SCOPE OF COVER
ECO
Fire & Lightning

Whether resulting from explosion or otherwise
 

Cyclone and Flood

Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave

Riots, Strikes

Riots, strikes, lock outs and malicious damage

Earthquake

Earthquake, volcanic eruption and tsunami caused thereby

BUILDING
Impact, explosion

Impact by land vehicles/animals, aircraft and aerial device dropped from them

Subsidence, Collapse, Landslide or Ground Heave
Bursting or overflowing of water tanks, Apparatus or Pipe
Burglary only
Burglary and Theft
Contents

Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000. 

Personal Liability
Registered household employee

Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses.

All Risks

Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy

Electronic Equipement

Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad)

Personal accident

"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages:
- Permanent disability: coverage from Rs 100 000 
- Medical expenses: Rs 10 000"
 

ADD-ONS EXTENSIONS:
Additional benefits

Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe.

Outdoor Contents

Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000

ESSENTIEL
Fire & Lightning

Whether resulting from explosion or otherwise
 

Cyclone and Flood

Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave

Riots, Strikes

Riots, strikes, lock outs and malicious damage

Earthquake

Earthquake, volcanic eruption and tsunami caused thereby

BUILDING
Impact, explosion

Impact by land vehicles/animals, aircraft and aerial device dropped from them

Subsidence, Collapse, Landslide or Ground Heave
Bursting or overflowing of water tanks, Apparatus or Pipe
Burglary only
Burglary and Theft
Contents

Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000. 

Personal Liability
Registered household employee

Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses.

All Risks

Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy

Electronic Equipement

Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad)

Personal accident

"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages:
- Permanent disability: coverage from Rs 100 000 
- Medical expenses: Rs 10 000"
 

ADD-ONS EXTENSIONS:
Additional benefits

Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe.

Optional
Outdoor Contents

Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000

Optional
EXCELLENCE
Fire & Lightning

Whether resulting from explosion or otherwise
 

Cyclone and Flood

Shall mean Cyclone, Hurricane, Storm, Tempest or Tidal Wave

Riots, Strikes

Riots, strikes, lock outs and malicious damage

Earthquake

Earthquake, volcanic eruption and tsunami caused thereby

BUILDING
Impact, explosion

Impact by land vehicles/animals, aircraft and aerial device dropped from them

Subsidence, Collapse, Landslide or Ground Heave
Bursting or overflowing of water tanks, Apparatus or Pipe
Burglary only
Burglary and Theft
Contents

Household goods, valuables, personal effects and tenant’s fixtures and fittings, the property of the Insured. For a sum insured exceeding Rs 500,000, no complete list, only a list of items exceeding Rs 25,000. 

Personal Liability
Registered household employee

Coverage in case of litigation or accident. Up to Rs 4,000 for medical expenses.

All Risks

Covers any accidental loss or damage to the items insured and which are not specifically excluded from the policy

Electronic Equipement

Personal Computers, Laptops and/or other Portable Electronic Equipment (eg Tablets such as Ipad)

Personal accident

"Covers accidents at home, at work or on the street, such as falls or burns in the kitchen. It includes the following coverages:
- Permanent disability: coverage from Rs 100 000 
- Medical expenses: Rs 10 000"
 

ADD-ONS EXTENSIONS:
Additional benefits

Modification costs to your house in case of handicap; food spoilage following an electrical outage; boarding up cost to your house following a loss/damage; trace & access following burst pipe.

Outdoor Contents

Furniture, barbecues, ornaments, pots and other moveable items stored outside. Up to Rs. 50,000

The figures communicated are subject to the conditions of the contract.

HOW TO CHOOSE

THE RIGHT LEVEL OF COVER ?

MUA understands that every home is different, and every owner or tenant has their own priorities when it comes to protecting their property. We have designed 3 levels of cover adapted to your needs, lifestyle and budget:
 

  • Eco covers your building against major risks
  • Essentiel  covers your building, its contents and your personal liability
  • Excellence  a comprehensive insurance package for complete peace of mind for you and your family 
MUA'S HOME INSURANCE
Modification costs

MUA home insurance covers the modification costs in case you or a member of your household becomes disabled

Costs

Costs related to locating the source of the water leak

Damaged

We compensate you for damaged food products if you refrigerator has a mechanical or electrical failure

Outdoor Furniture

We cover outdoor furniture, barbecues and ornaments

Client Portal

Client Portal: an easy to use client portal that allows you to manage and renew your policies, make and track your claims and make payments from the comfort of your home

Customisable

Customisable limit for personal liability

Discount

If your home is equipped with certain security features, you may be eligible for a discount on your premium

Protection

Protect you household employees and your guests against accidents.

You can protect your possessions against accidental damage or loss, even when you are outside your home.

Securing your premises after major damage will protect your property when it could be vulnerable

 

OUR HOME INSURANCE POLICY DOCUMENTS

FOR MORE INFORMATION