Protect your home and belongings with comprehensive coverage against fire, theft, natural disasters, and more
At Clear Plan Insurance, we understand that your home is more than just a building—it's where memories are made, where your family feels safe, and likely your most valuable asset. Our comprehensive home insurance solutions are designed to protect your property, belongings, and peace of mind against unexpected events.
Whether you own or rent, live in an apartment or standalone house, we offer flexible coverage options that safeguard your home's structure, contents, and provide liability protection. From fire and theft to natural disasters and accidental damage, we've got you covered.
Comprehensive protection for the physical structure of your home including walls, roof, floors, and permanent fixtures against various perils.
Protection for your household items, furniture, electronics, clothing, and personal possessions against theft, fire, and other covered perils.
Coverage for legal liability if someone is injured on your property or if you accidentally damage someone else's property.
Protection against damage caused by burst pipes, water leaks, and accidental water damage to your home and contents.
Financial support for temporary housing costs if your home becomes uninhabitable due to a covered event during repairs.
Protection for domestic employees working in your home including housekeepers, gardeners, and security guards.
Building insurance covers the physical structure of your home (walls, roof, floors, built-in fixtures). Contents insurance covers movable items inside your home (furniture, electronics, clothing). As a homeowner, you typically need both. Tenants usually only need contents insurance as the landlord covers the building.
Premiums are based on several factors including your home's value and location, construction type (permanent or temporary), security features (alarms, guards, CCTV), occupancy status, claims history, and the coverage level you choose. Homes in secure estates or with comprehensive security systems typically attract lower premiums.
Standard home insurance covers fire, lightning, storms, and some flood damage. Earthquake coverage and extensive flood protection can be added as optional extensions depending on your location. We recommend discussing your specific geographical risks with our advisors to ensure appropriate coverage.
For theft, immediately report to the police and obtain an abstract. For fire, contact the fire department and police. Document all damage with photos and videos. Secure your property to prevent further damage. Contact us within 24 hours to report your claim. Don't dispose of damaged items until an assessor has inspected them.
Standard coverage typically protects items within your home's boundaries. However, we offer "All Risks" extension coverage for valuable items like jewelry, laptops, and cameras that you carry outside your home. This provides worldwide protection against accidental loss, theft, or damage to specified items.
Get a personalized home insurance quote today and secure your most valuable asset with comprehensive coverage.