Frequently Asked Questions
What does Pacis Home Insurance cover?
Pacis Home Insurance covers the building, contents, and portable valuables, and provides optional coverage for domestic servants and occupiers' liability.
How can I determine the value of my building and its contents for insurance purposes?
You can determine the value of your building and contents by assessing their replacement cost, considering factors like construction materials, square footage, and the value of your belongings.
Can I choose to insure only the contents without the building?
No, the contents coverage (Part B) cannot be taken without the building coverage (Part A). Both sections are typically included together in a home insurance policy.
Are my portable valuables covered even when I'm outside my home?
Yes, Pacis Home Insurance provides coverage for portable valuables (Part C) against fire, perils, theft, and accidental damage, even when they are outside your home.
What is the optional WIBA coverage for domestic servants?
The optional WIBA coverage protects domestic servants like house helpers, gardeners, and cleaners against personal injury or sickness while on duty.
How does the occupier's liability coverage work?
Occupier's liability coverage protects homeowners against legal liabilities that may arise from injuries or property damage to third parties resulting from the occupancy of the insured property.
Are there any limitations on the coverage provided by Pacis Home Insurance?
Yes, there may be certain limitations and exclusions outlined in the policy. It is important to carefully review the terms and conditions to understand the extent of coverage and any specific exclusions.
Can I customize my coverage based on my specific needs?
Pacis Home Insurance offers a range of coverage options, and you can discuss your specific needs with the insurance provider to customize your policy accordingly.
How are premiums calculated for Pacis Home Insurance?
Premiums are typically calculated based on factors such as the value of the building and contents, location, the coverage selected, and any optional endorsements. The rates for each section are mentioned as minimal in the product details.
How do I file a claim for Pacis Home Insurance?
In the event of a claim, you should contact Pacis Home Insurance promptly to report the incident. They will guide you through the claims process and provide you with the necessary forms and instructions to submit your claim.