Overview
Your property — whether a home, an office, a shop or a warehouse — represents a significant investment. Hamarkoh Insurance Agency provides comprehensive property insurance that protects your building and contents against fire, lightning, explosion, flooding, burglary, malicious damage and a range of other insured perils. Our advisors ensure your sum insured accurately reflects the reinstatement value of your property, giving you genuine financial protection in the event of a loss.
Key Benefits
- Fire and allied perils including lightning and explosion
- Burglary, housebreaking and theft
- Accidental damage to contents
- Flood and storm damage
- Business interruption following a covered loss
- Landlord liability protection
- Loss of rent during reinstatement period
What Is Not Covered (Exclusions)
- Wear and tear or gradual deterioration
- Subsidence not related to a covered peril
- War, terrorism and nuclear risks
- Losses from unoccupied premises beyond a specified period
Claims Process
Contact Hamarkoh immediately after an incident. Our claims team will guide you through gathering the necessary documents and submitting your claim. We liaise directly with the underwriter on your behalf and keep you informed at every stage until your claim is settled.