Homecare covers loss or damage to property and Liabilities that may arise in connection with ownership
or occupation of a residence.
It has six sections (A-H).
Pioneer General Homecare is an all-inclusive residential insurance solution designed to safeguard private homes, household contents, portable valuables, and domestic workers against unforeseen perils. Whether you are a homeowner, landlord, or tenant, this multi-section policy provides total peace of mind by combining physical property protection with comprehensive third-party liability, loss of rent coverage, and statutory Work Injury Benefits Act (WIBA) compliance for domestic staff.
Homecare covers loss or damage to property and Liabilities that may arise in connection with ownership
or occupation of a residence.
It has six sections (A-H).
Owner's & Occupier's Legal Liability: Protects you against third-party lawsuits and financial liabilities for accidental bodily injury or property damage occurring within your premises.
Rent Relief / Consequential Loss: Reimburses alternative accommodation expenses or lost rental income if the home becomes uninhabitable following an insured peril.
Domestic Staff Medical & Funeral Cover: Takes care of medical bills and emergency last expenses for household staff injured in workplace accidents.
Political Risks & Terrorism Option: Optional add-on extension shielding your residential property against civil commotion, riots, and political violence risks.
KEY COVERAGE SECTIONS
SECTION A: Buildings & Fixtures
Covers loss or physical damage to the residential building structure, outbuildings, walls, gates, and landlord's fixtures caused by fire, lightning, explosion, storm, flood, or burst pipes.
SECTION B: Household Contents
Protects indoor personal belongings, furniture, electronics, and household items against loss or damage due to burglary, housebreaking, fire, or accidental events.
SECTION C: All Risks (Valuables)
Extends worldwide coverage against accidental loss, damage, or theft for portable high-value items carried outside the home (eg, laptops, smartphones, jewelry, cameras).
SECTION D: Domestic Servants / WIBA Extension
Provides statutory Work Injury Benefits cover for domestic staff (house helps, gardeners, security guards) against medical costs, disability, or death resulting from accidental injuries on duty.
Homeowners & Landlords looking to protect residential buildings, outbuildings, fixtures, fittings, and rental income.
Tenants & Renters seeking to safeguard furniture, appliances, personal effects, and legal occupant liabilities
Households Employing Domestic Staff (househelps, gardeners, security guards, drivers) requiring compulsory WIBA 2007 compensation coverage
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