Home Guard Insurance

Protect your peace of mind and secure your household structure & contents.

Protect your most precious asset. Our Home Guard policy is a dual-shield system that secures the physical structure of your house or apartment as well as the valuable contents inside (jewelry, appliances, furniture) from devastating fires, natural tragedies, and burglary.

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Home Guard Insurance

Plan Key Highlights

Comprehensive replacement cost valuation for structure
Exclusive optional items coverage without demanding individual receipts for items under PKR 50,000
Alternative accommodation allowance if the property is uninhabitable
Special tenant liability options for rented properties

What We Cover (Policy Inclusions)

Our priority policies explicitly cover these accidents, losses, and legal obligations:

Building structural damage caused by fire, lightning, gas explosions
Natural disasters coverage including earthquakes, storms, and floods
burglary, theft, or armed robbery of household appliances, valuables, and electronics
Tenant’s liability to landlord or public liability claims
Relocation cost cover for secure immediate evacuation

What Is Not Covered (Exclusions)

To maintain fairness and clean premiums, the standard contract does not cover damages caused by:

Gradual wear-and-tear, dampness, wall seepage, or insect damage
Loss of cash, currency notes, stamps, or unregistered gold bullion
Willful destruction or gross negligence on behalf of the homeowner
War, national civil disturbances, or nuclear threat

Frequently Asked Questions

What is the structural rebuilding value vs market value?

Rebuilding value is purely the physical cost of materials and labor to reconstruct your house. It does not include the market cost of the plot land itself.

Are my gadgets covered while traveling?

Personal home contents are secured while inside the declared premises. For item tracking outside your home, purchase our portable assets cover.

Calculation Coming Soon

We are finalizing our custom digital algorithms to provide precise two-wheeler, home structures, and family layouts.

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Need Advisory Help?

Connect directly with our Islamabad and Karachi based insurance coordinators to design custom bounds or clear up terms.

P:
0332-0733666Voice Call & WhatsApp
E:support@apexdigitalassurance.com