Home Insurance

Provides cover for structural outbuildings, houses, as well as the house contents within the insured property.


Household Insurance

Definition of Cover
This Insurance product covers fixed buildings, immovable property,
fixtures & fittings, outbuildings, walls, gates, fences on the same premises
and used solely in connection with the insured.

What is Covered?
The following are covered under UGI’s House Owners Cover.
I. Accidental damage to the structure of the house
II. Fire, lightning and explosion
III. Storms and wind, Water, hail and snow
IV. Bursting or overflowing of water tanks/ pipes
V. Earthquake
VI. Theft or attempted theft of fixtures and fittings
VII. Power surge

Available Extensions
I. Strikes, Riots and Civil Commotion
II. Personal Liability
III. Personal Accident
IV. Loss of Rent

Additional Benefits
I. 3rd Party Liability
II. Debris Removal
III. Alternative Accommodation during claims stage limited to E5, 000

Any Excess
I. Yes, You will have to pay an excess amount as stipulated in the
Terms and Conditions of your House Owners’ Insurance policy.

SNL Cover
I. We also cover houses under Swazi Nation Land

House Contents

Definition of Cover

This insurance product covers the loss or damage to the contents as a
result of any of the insured events.

Insured Events

I. Fire Lightning and Explosion
II. Storms and Wind, Water, Hail and Snow
III. Bursting or overflowing of water tanks / pipes
IV. Theft or Attempted Theft from the building or outbuildings
V. Accidental Impact on the exterior portions of the building

Available Extensions
I. Loss of money – limited to E2, 000. 00 per claim
II. Loss of Rent
III. Automatic Inflation Margin

Additional Benefits
I. Protection of contents against further damage
II. Locks and key (costs & expenses not exceeding E1,500.00 for any
one occurrence)
III. Deterioration of food whilst in any refrigeration or freezer caused by
accidental failure of the power supply or by the refrigeration unit
IV. Medical expenses
V. Hole in One
VI. Public Liability

Any Excess
I. Yes, You will have to pay an excess amount as stipulated
in the Terms and Conditions of your House Contents’
Insurance policy, which is dependant on the insured
item being claimed for.
SNL Cover
I. We also cover house contents under Swazi
Nation Land (SNL).

The Home Insurance Benefits

Home Insurance Online Services

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I am interested in the Home Insurance product

Frequently Asked Questions

Currently no other insurer offers legal insurance in Swaziland giving us an opportunity to claim the “First Mover” market share. We have already made tremendous progress in forging partnerships with other corporate bodies operating in the kingdom.

No; There is no waiting period at all. The moment you make your first payment you are immediately covered.