iWYZE Homeowners Insurance is designed to protect your home and its related structures (like garage, walls, gates and fences) against the unexpected – including loss or damage caused by accidents, fire and theft.
Your family home will be comprehensively insured against the following risks:
- Fire, lightning and explosions.
- Loss or damage caused by deliberate or wilful acts.
- Natural Disasters including storm, wind, flood, hail, snow or earthquake damage.
- Loss or damage caused by faulty water systems, including burst, leaking or overflowing geysers, water supply tanks, cisterns and water pipes.
- Theft or attempted theft where forcible and violent entry to (or exit from) your property causes damage to the premises.
- Impact by animals, vehicles, falling trees or parts of trees; aircraft or articles dropped from above.
- Breakage or collapse of fixed radio or television aerials, satellite dishes or masts.
- Erosion and / or Subsidence.
Your iWYZE Homeowners policy also includes these exceptional benefits:
Reinstatement benefit
If your home is totally destroyed, iWYZE will rebuild it completely. If it is damaged, iWYZE will repair the damaged portion as close as possible to the condition it was in when it was new.
Temporary accommodation benefit
If your home becomes temporarily unfit to live in due to loss or damage, iWYZE will pay for you to rent accommodation while your house is rebuilt or repaired.
Public services benefit
If there is accidental loss or damage to water, sewerage, gas, electricity or telephone connections between your house and the public supply, iWYZE will compensate you by either paying for, or repairing the damage.
Fire brigade benefit
If the fire brigade charges you for putting out a fire at your home, iWYZE will compensate you.
Professional fees benefit
In the event that your property is damaged or destroyed, iWYZE will compensate you for the costs incurred to:
- Demolish your home, remove debris from the site and erect hoardings required for building operations.
- Pay architects, quantity surveyors and consulting engineers’ fees.
- Pay any local authorities’ inspection fees.
Security guard benefit
iWYZE will arrange for, and pay the cost of hiring a security guard to protect your property, if necessary, following loss or damage.
Property Owners' Liability cover
iWYZE Homeowners insurance includes Property Owner’s Liability cover. This cover protects you in the event that a third party lays a claim against you for accidental death, injury or illness that occurs on your property. It also covers you in the event of accidental loss or damage to a third party’s property.
For example: if your stairs collapse and a guest falls and breaks a leg, you may be responsible for medical costs and expenses incurred by the guest. This cover will provide compensation if you are found to be legally liable for these costs.
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iWYZE is underwritten by Mutual & Federal Insurance Company Limited, a member of the Old Mutual group. Mutual & Federal and Old Mutual are Licensed Financial Services Providers.