MULTI-RISK HOME INSURANCE
Whether you are an owner or a tenant, you are covered
Multi-risk Home Insurance (MRH) is an optimal home insurance offer. It is aimed at homeowners or tenants who wish to take advantage of a wide range of guarantees that will effectively protect their daily lives, as well as those of their loved ones.
WHY TAKE OUT A MULTI-RISK HOME INSURANCE POLICY ?
- This insurance covers the risks to which your home, its contents (furniture, personal effects, etc.) and all the people living under your roof are exposed ;
- Complete and optimal guarantees to protect your family's assets against everyday risks that may affect your home or involve your responsibility or that of your family members ;
- Competitive rates ;
- Quick subscription with no documents to provide and contract takes effect as soon as contract documents are signed and the insurance premium is paid.
WHO CAN SUBSCRIBE ?
Any person with a chequing or savings account who is a :
- Tenant ;
- Homeowner Occupant ;
- Co-homeowner Occupant.
You enjoy peace of mind :
- In case of claim* the insurer compensates you ;
- You can afford the repairs caused by the damage ;
- You and your family are safe.
HOW TO SUBSCRIBE ?
Please contact your account manager for any subscription.
From CFA Francs 25 937 per month
WHAT DOES THE MULTI-RISK HOME POLICY COVER ?
- Premises used exclusively for residential purposes :
- Flat ;
- Individual house ;
- Condominium building.
- Propertycontained in the premises
- The liability of the insured person in relation to his/her home
WHAT ARE THE GUARANTEES OF THE MULTI-RISK HOME POLICY ?
A set of guarantees sold as « package » according to the formula chosen (4 packages to choose from) by the insured :
a) Property damage insurance
- Fire and related risks (including recourse from neighbours and third parties). The insurer guarantees the insured against damage caused to the insured property by fire, explosion, implosion, but also lightning and damage occurring during the extinction of fire.
- Electrical damage
In addition to damage caused by fire, the insurer covers electrical machines, transformers, electrical and electronic devices against fire originating inside these objects.
This guarantee covers the insured against the disappearance or deterioration of the insured goods resulting from theft or attempted theft in the circumstances of break-in, use of false keys or climbing.
- Water damage
The guarantee covers the insured against material damage caused to the insured property by accidental water leaks (rainwater infiltration through the roof, terraces and balconies)
- Glass breakage
This covers breakage of glass and glazing on the premises as a result of any event;
Options : All Computer Risks (TR computer and video equipment)
b) Civil liability insurance
- Head of family Civil liability
- Building owner Civil liability
Mamadou owns a house worth CFAF 50 000 000. Thanks to the sound advice of his manager, he takes out a loan of CFAF 5 000 000 to buy furniture and also takes out a « Multi-risk home insurance ».
Some time later, his home was destroyed by a terrible fire caused by a short circuit. As soon as he was informed, his insurer Allianz Assurances took over the entire cost of rebuilding the house and the value of the destroyed goods.