House No.28 Nalubutu Road, RhodesPark
info@mircsinsurance.com
Because Every Home Deserves Protection
The House Owners Policy is one of our Non-Motor Insurance products, designed specifically to protect private residential buildings against loss or damage caused by insured risks such as fire, theft, storms, floods, explosions, and more.
Whether it’s your primary residence, rental property, or vacation home, this policy gives you peace of mind that your most valuable asset is covered — from the structure itself to permanent fixtures like walls, ceilings, gates, and garages.
It’s the kind of cover that ensures that if the unexpected happens, your financial setback won’t be permanent.
🔥 Fire & Explosion: Covers fire damage, lightning, and explosion (including domestic gas or appliance-related).
🌧️ Flood & Storm Damage: Protects against loss caused by rainstorms, windstorms, floods, or hail.
🔓 Burglary & Theft (optional): Coverage for forced entry damage and stolen building fixtures.
🧱 Structural Damage: Covers the building structure, including roofs, walls, ceilings, gates, garages, water tanks, and more.
⚡ Impact Damage: Damage from falling trees, aircraft, or vehicles
At MIRCS Insurance Brokers, we understand that your home is more than just a building — it’s your foundation, your comfort zone, and a lifetime investment. That’s why we’ve designed a House Owners Policy that offers more than just coverage — it delivers confidence, care, and comprehensive protection when you need it most.
Whether you’re a homeowner, landlord, or estate developer, our policy is tailored to shield your residential property against the unexpected — from fires and floods to theft and structural damage. And with MIRCS, you’re not just buying a policy — you’re partnering with experts who care about your peace of mind.
No, the House Owners Policy strictly covers the building structure and permanent fixtures. For movable belongings like furniture, appliances, electronics, or personal items, we recommend the Household Contents Policy.
Yes! As a landlord, you can insure the building under the House Owners Policy. You can also opt for Loss of Rent coverage if the house becomes uninhabitable due to damage.
Yes. Like all insurance, certain exclusions apply such as damage due to neglect, unauthorized construction, and unoccupied buildings. We’ll walk you through the fine print so you’re not caught off guard.
Absolutely. Many clients combine House Owners cover with Household Contents, Personal Accident, or Fire Insurance for broader protection. We can tailor a bundled plan to meet your needs.
