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Home Guard is specially made for tenants of residential buildings. It provides cover for contents against the following:
  1. Fire , explosion, lightning, flood, aerial devices and other perils
  2. Insured tenants’ liability to the landlord arising from the insured perils while which is as a result of negligence up to 50% of the sum insured
  3. Temporary accommodation up to 50% of the sum insured in event where the insured perils renders the insured tenant temporarily homeless.
The scope of cover is divided according to the variants below;
  1. Gold Plan; This will provide cover on the contents of your home or office up to N750,000 at a premium payable of N3,500 per annum
  2. Bronze Plan; This will provide cover on the contents of your home or office up to N250,000 at a premium payable of N1,500 per annum.
  3. Silver Plan; This will provide cover on the contents of your home or office up to N500,000 at a premium payable of N2,500 per annum
  4. Diamond Plan; This will provide cover on the contents of your home or office up to N1,000,000 at a premium payable of N4,500 per annum
 

Exclusion from Cover;

Home Guard is not designed for tenants living in make-shift houses with walls/roofs made of wood, bamboo, polythene and zinc. Also, liability to Landlord does not include failure to pay agreed rent.

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