Building Insurance
This covers the actual structure of your home or apartment.
You only need Building Insurance if you own the property.
dMAC has comprehensive policies designed to provide maximum cover with low premiums.
We recomend a suitable Home Insurance policy should cover:
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• Fire, Lightning, Explosion, Falling Aircraft, Smoke Damage |
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• Riots, Strikes, Malicious Damage |
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• Civil Commotion, Terrorism, Sabotage |
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• Earthquake, Volcanic Eruption, Tsunami |
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• Typhoon, Storm, Flood and Water Damage |
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• Impact of Vehicle |
How much Building Insurance do you need?
The
sum insured should be the amount it would cost to rebuild your home should it be burnt to the ground. It is also the most the Insurer will pay if your home is totally destroyed.
That is not the same as your home's market value, which could be greater or less.
Homeowners Insurance
Homeowners insurance policies offer outstanding value. They provide tremendous coverage coverage for very little premium. However many contain a large number of exclusions and limitations.
If you arrange good cover on your home, the insurance company will fully repair or replace your home and contents if damaged, destroyed or stolen
Contents Insurance
This covers the contents or your home or apartment. It 
comprises everything you would take with you if you moved home.
That usually includes furniture, household goods, food and drink, TVs', sound systems, computers, clothing and valuables.
Extended cover can be provided for:
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• Public Liability up to Rp 10 million |
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• Personal Accident up to Rp 100 million |
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• Medical Expenses to Rp 5 million |
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• Employee's Personal Effects |
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• Jewellery |
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• Temporary Accommodation |
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• Architects, Surveyors, Consulting Engineers Expenses |
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• Medical Expenses for Guests |
Articles outside premises
Moveable items can be protected inside and outside your premises. They could include:
Golf clubs, Laptops, Hand phones and PDA's
dMAC designed insurance