Home Insurance
Explore the peace of mind offered by TPL Home Insurance, where we recognize your home as more than a physical space – it’s a sanctuary of memories and dreams. Our Home Insurance Plan goes beyond a mere policy; it’s a commitment to safeguard the emotional investment you’ve made. With empathy and understanding, our coverage extends to unforeseen disasters, theft, and accidents, allowing you to build a lifetime of moments worry-free. At TPL Insurance, we don’t just protect houses; we secure homes filled with love and life.
Key Features
Home Owner
Secure your assets with TPL’s comprehensive home insurance. Covering property and contents from accidental damages.
Landlord
Ensure your home’s safety with TPL Home Insurance, offering protection from fire, flood, earthquakes, and accidental damages.
Tenant
Keep your haven safe. TPL Home Insurance covers burglary, rent loss, and protects belongings.
What we Covered
| Benefits | Home Owner | Landlord | Tenant |
|---|---|---|---|
| Home contents and personal effects belonging to the insured and immediate family members residing permanently with the Insured against fire, explosion, lightening, flood, cyclone, earthquakes, bursting of water pipes, riot and strike damage, malicious act, vehicle and aircraft impact damage. Also includes loss or damage to contents & personal effects against theft and burglary by violent and forcible entry into the house. | |||
| Cash covered at home | |||
| Jewelry covered at home | |||
| Identification documents coverage at home. Replacement costs incurred due to loss or theft of personal documents issued by Government of Pakistan (i.e. CNIC/Passport/Driving License) of the Insured. | |||
| Personal accident benefit covering death of the insured and spouse up to the age of 65 years. Children (between the ages of 1 to 23 years – both ages inclusive) | |||
| Personal liability coverage for the Insured and their immediate family members against third party liability such as accidental bodily injury and property damage to third party. | |||
| Loss or damage to home structure against fire, explosion, lightening, flood, cyclone, earthquakes, bursting of water pipes, riot and strike damage, malicious act, vehicle and aircraft impact damage. | |||
| Loss of Rent benefit covering rent receivable by the landlord | |||
| Loss of Rent (additional costs of alternative accommodation) *10% of the total sum insured |
| Tenant | Landlord | Home Owner |
|---|---|---|
| Coverage of household contents in combination with theft or burglary of personal possessions | House hold contents are not covered under the policy | Under House Hold Contents, Financial instruments such as Deeds, Bonds, Bills of Exchange, Manuscripts, Medals, Coins, Motor Vehicles and Accessories, Livestock, Computer System records, Business Books, Books of Accounts and Contents left in the open, are not covered under the policy |
| Under House Hold Contents, Financial instruments such as Deeds, Bonds, Bills of Exchange, Manuscripts, Medals, Coins, Motor Vehicles and Accessories, Livestock, Computer System records, Business Books, Books of Accounts and Contents left in the open, are not covered under the policy | The insurance policy does not cover and specifically excludes any financial losses, damages and claims caused intentionally by the Policy Holder and/or his/her family members | The policy does not cover the accidental death of aircrew, members of armed forces, policemen, seamen and divers at work. Injuries due to illness or diseases are excluded. The insurance policy does not cover and specifically excludes any financial losses, damages and claims caused intentionally by the Policy Holder and/or his/her family members |
| The policy does not cover the accidental death of aircrew, members of armed forces, policemen, seamen and divers at work. Injuries due to illness or diseases are excluded. The insurance policy does not cover and specifically excludes any financial losses, damages and claims caused intentionally by the Policy Holder and/or his/her family members | Loss of rent benefit is only provided for the period during which the premises are uninhabitable up to maximum limit as a result of the operation of an insured perils as mentioned in first clause |
| Electronics | Vehicles | Others |
|---|---|---|
| Mobile Phones, Laptops, Note Books, Palm tops, i-pods, i-pads, and gadgets/equipment of similar nature. | Motor Vehicles, Caravans, Trailers, Watercraft, Aircraft and accessories attached thereof. | Livestock, Deeds, Bonds, Bills of Exchange, Promissory Notes, Cheques, Securities, Manuscripts, Medals, Coins, Stamps, Computer systems records, Business Books, Books of accounts, Explosives, Works of Art, Drawings, Designs, Moulds, Models, Patterns, documents or obligations of any kind. |
Frequently Asked Questions
Owners of all housing types, whether property is owned or on rent. Bungalows and apartments both can be insured.
No.
Yes you can have only the building or Home Structure insured @ net premium rate of 0.2% of the total value of the building.
Buildings or home structure mean the home, built of bricks, stone, or concrete, the external surface of the roof constructed of slates, tiles, concrete and asphalt etc.
The insurance policy can be canceled any time on your request in which case the company will retain premium at the short period rate for the time the policy has been in force. The insurance company may also at any time terminate the policy by sending a seven days’ notice period to you at your last known address in which case the company shall be liable to refund the premium on pro rata basis for the unexpired term from the date of cancellation provided no claim has been taken on the policy.
Your policy will be effective on the day of receipt of your completed and signed Proposal Form along with the full payment.
Simply inform us in writing and we shall amend the policy schedule and send you the document.
Simply inform us in writing and we shall amend the policy schedule and send you the document.
Home contents mean household goods and personal effects belonging to you or your family members residing within your home. They also include furniture, fixtures, furnishings, home appliances etc.
Contents exclude:
• Portable equipment ( e.g. mobile phones, laptops etc )
• Any living creatures
• Permanent fixtures and fittings
• Electrically or mechanically propelled or assisted vehicles of all types
Contents exclude:
• Portable equipment ( e.g. mobile phones, laptops etc )
• Any living creatures
• Permanent fixtures and fittings
• Electrically or mechanically propelled or assisted vehicles of all types
The policy covers Fire, Explosion, Earthquake, Rain, Cyclone, Storm, Tempest, Riot & Strike Damage, falling Aircraft and other Aerial Devices, Water Damage due to burst pipelines Malicious Act, Impact of Motor Vehicles, Burglary & Housebreaking.
The policy will be valid for one year and will be renewed at expiry. The premium, other terms and conditions will decided at the time of renewal keeping your claims experience in consideration.
Only your home contents are covered (Your land lord must purchase a separate policy to insure the home structure)
If your home contents are underinsured and you suffer a loss of insured contents, your claim amount will be reduced by the same proportion as that of underinsurance.
Mobile Phones, Laptops, Note Books, Palm tops, i-pods, i-pads, and gadgets/equipment of similar nature. Motor Vehicles, Caravans ,Trailers, Watercraft, Aircraft and accessories attached thereof, Livestock, Deeds , Bonds , Bills of Exchange , Promissory Notes, Cheques, Securities, Manuscripts, Medals , Coins , Stamps, Computer systems records , Business Books , Books of accounts, Explosives, Works of Art, Drawings, Designs, Moulds, Models, Patterns, documents or obligations of any kind.
No, you may only have the Household contents, Cash and Jewelry covered under the policy. However, along with contents if you would like to have the Home Structure insured, the same can be covered by charging a net premium rate of 0.2% of the total value of the building.
No, loss or damage to contents while in transit from one house to another are not covered under the policy.
No, the landlord’s property is not covered by the tenant’s insurance policy.
If any mishap occurs outside the house your Jewelry/Cash are not covered.
You may contact our Call Centre on 111-000-301.
TPL Insurance will settled the claim within seven working days subject to submission of required documents.
No your policy will not be cancelled if you take a claim.
This is based on a loss survey which takes place after the claim is filed with the insurance company. The surveyor goes to the claimant and investigates the claim and issues survey report detailing the exact circumstances of the incident. In case of damages resulting from events other than events other than burglary, photographs are taken by the surveyor.
The original policy documents will be sent to you directly by TPL Insurance (Formerly TPL Insurance) within five working days of receiving the duly completed and signed Proposal Form, receipt of pre insurance risk inspection report from the surveyor in case the home structure is insured and the premium payment of the policy.
The expenses borne due to loss or theft of the following personal Identification Documents from the home belonging to you or your other family members:
• Computerized National Identity Card
• Passport
• Driving License
• Computerized National Identity Card
• Passport
• Driving License
You may contact our Call Centre on 111-000-301.
There is no restriction on the number of claims that can be lodged on the policy.
No, the building can only be used for residential purpose.
In case of fire loss to home contents, burglary or house breaking
• Claim form duly completed and signed
• Purchase Receipt
• List of items damaged
• Police Report
• Fire Brigade Report ( if fire extinguished by Fire Brigade )
• Copy of CNIC of Insured Building & Home Structure
• Claim Form duly completed and signed
• Building Approval Plan
• Police Report
• Fire Brigade Report ( if fire extinguished by Fire Brigade )
• Copy of CNIC of Insured
• Cash Memos, Receipts, Guarantee Cards etc must be kept carefully as they may be required in case of lost or stolen items at the time of settlement of the claim.
• Claim form duly completed and signed
• Purchase Receipt
• List of items damaged
• Police Report
• Fire Brigade Report ( if fire extinguished by Fire Brigade )
• Copy of CNIC of Insured Building & Home Structure
• Claim Form duly completed and signed
• Building Approval Plan
• Police Report
• Fire Brigade Report ( if fire extinguished by Fire Brigade )
• Copy of CNIC of Insured
• Cash Memos, Receipts, Guarantee Cards etc must be kept carefully as they may be required in case of lost or stolen items at the time of settlement of the claim.
The claim shall not be payable in the event of the premises being left unoccupied by day or night for a continuous period exceeding 72 hours in respect of Jewelry or seven days for other contents and 15 days in the course of any one year of insurance.
You may contact our Call Centre on 111-000-301.
Both options are available, you can either have the limits enhanced depending on the amounts by which the limit is increased or switch to another package if the increase in amounts is more or less equal to the limit of liability given in the other packages.
