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Insured Perils:

Fire
Lightening
Explosion
Earthquake
Impact
Theft (forcible entry)
Accidental damage (Sanitary-ware)
Storm, wind, water, hail, snow
Loss of rent [25% of sum insured]
Utilities – accidental damage
Public Liability [Limit of Indemnity R1 000 000]
Malicious damage

Extensions: [Optional]

Subsidence and landslip
Prevention of access
Escalator clause

Important:

Average (under insurance) applies

Exclusions:

Retaining walls
Wear and tear