Home Insurance

Protect what is dearest to you

Building cover
Building contents cover
Owner / tenant liability cover
Personal liability cover
Rent / alternative accommodation cover
Death cover

While your home protects you, your loved ones and your worldly possessions; who protects your home?

A house is more than just a building – it is one of your biggest personal investments, and it holds your hopes and dreams. BankDhofar Home Insurance now offers comprehensive insurance coverage for a range of threats, like fire and accidents, to vandalism and natural disasters.

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Home Insurance covers your building, its contents and appliances against loss or damage due to fire and accidental explosion; social unrest – like riots and malicious damage; and, natural events – rainstorms, cyclones, floods, landslides, and earthquakes.

All parts of the main building (built of brick, stone or concrete), domestic garage, outhouse, swimming pool, terrace, patio, driveway, footpath, wall or fence, gates – and any permanent fixtures and fittings.

Terms and conditions may apply.

Contents mean household goods, furniture, fixtures, fittings, radio and television aerials on or in the home, belonging to you or your family.

Terms and conditions may apply.

The Home Insurance policy cover is for a period of 12 months.

General Exclusions:

Single valuable item value not exceeding OMR 2,500.
Political risk, sabotage, war and terrorism, pollution or contamination, radioactivity, and sonic boom.
Home Content valued above OMR 12,500 are subject to individual underwriting or upload of photos of content. The building cover is also subject to the upload of photos and underwriting approval.
Works-of-art and jewellery.

Home insurance coverage is subject to:

Electronic Date Recognition Clause
Electronic Data Endorsement (Cyber Risks) Clause
Sanctions Limitations and Exclusions Clause
Arbitration Clause
Standard Exclusions of Fire Cover

Please note that all Coverage & Exclusions will be as per the Standard Policy Wording of Dhofar Insurance Company.

Interest Covered		Sum Insured / Limits / Sub-limits
Section 1*	1.1: Home Contents Cover	Sum Insured stated in the Schedule max. up to OMR 25,000 with subject to: OMR 2,500 Single Article Limit In respect of Personal Belongings & Valuables within the Home, the sub-limit is 20% of Contents Sum Insured subject to OMR 400 Single Article Limit.
	1.2: Contents Temporarily Removed	20% of Contents Sum Insured
	1.3: Replacement of Locks and Keys	OMR 200 in the annual aggregate
	1.4: Contents in Open	OMR 250 in the annual aggregate
	1.5: Stock in Deep Freezer / Refrigerator	OMR 100 in the annual aggregate
Section 2**	Accidental Damage to Contents	20% of Contents Sum Insured
Section 3**	Personal Belongings, Valuables	Sum Insured is stated in the Schedule. OMR 400 Single Article Limit unless a higher amount with details of the item(s) is stated in the Schedule
Section 4**	Personal Documents, Credit Cards, Money	Money: OMR 400 in the aggregate Credit Card: OMR 1,000 in the aggregate Documents: OMR 100 per document, OMR 250 in the aggregate
Section 5*	Building(s) Cover	Sum Insured stated in the Schedule – Up to OMR 150,000
Section 6**	Liabilities Cover
	6.1: Personal Liability	OMR 100,000 in the annual aggregate
	6.2: Tenant’s / Owner’s Liability
	6.2.1: Liability as Tenant of the Insured Home	OMR 25,000 in the annual aggregate
	6.2.2: Liability as Owner of the Insured Building	OMR 100,000 in the annual aggregate
Section 7**	Rent and Alternative Accommodation	12 months Indemnity, limited to 20% of the Contents Sum Insured (as Tenant) or 10% of the Building Sum Insured (as Owner)
Section 8*	Death Cover	OMR 5,000 in the annual aggregate

*Compulsory Cover / **Optional Cover

You can drop in at any BankDhofar branch. Find your nearest location click here.

If you have a query, call us anytime 24x7 on 24791111.

No Bank Dhofar is an agent for the services. The insurance product is underwritten by Dhofar Insurance Company, one of Oman’s largest insurance companies. The insurance contract is between Dhofar insurance company and the customer and not between bank Dhofar and the customer. To know more, please call us any time 24X7 on 24791111

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