Philam Home Advantage Insurance Package

Designed specifically for residences inside villages and subdivisions within Metro Manila and selected subdivisions outside Metro Manila

For houses located outside a subdivision, you may try Philam's MyHome

Home Advantage makes sure that you only pay for coverage that you need with no fancy add-ons that only make the policy more expensive or more complicated. Philam Insurance’s expert underwriters have chosen the best and most comprehensive coverage with your needs in mind.

Enjoy peace of mind with these ADVANTAGES:

• Fire coverage
  
• Typhoon, Flood & Earthquake coverage

• Burglary and Robbery coverage
• Coverage for personal valuables including jewelry and works of art
• Loss of Rental Income (for Owner non-resident option)
• Alternative Accommodation coverage (for Tenant or Owner Resident option)
• Special Assessment coverage for townhouse owners
• P1,000,000 Personal Liability Coverage
• Plus more! See details below:

A. Coverage for Owner - Non Resident

• Building, Improvements & Special Assesment cover for Townhouses
  

Perils covered – Fire & Lightning, Bush Fire, Earthquake, Typhoon, Flood, Smoke, Falling Aircraft, Malicious Damage, Burglary, Robbery and Broad Water Damage

• Loss of Rent

If the property is being rented under a lease agreement at the time of loss the assured can reimburse up to P20,000 per month for 6 months

• Debris Removal
  

Covers for the cost clearance (up to 5% of Building sum insured) of the damage portion of the property in preparation for repair

• Accidental Breakage of Fixed Glass
  

Covers damage to fixed class panels up to 5% of Building sum insured

• Automatic Coverage for Contents
  

Additional coverage for contents owned by the homeowner in case the property is being rented out furnished (up to 5% of Building sum insured)

• Household Contents
  

Perils covered – Fire, Lightning, Bush Fire, Earthquake, Typhoon, Flood, Smoke, Falling Aircraft, Vehicle Impact, Explosion, Riots, Strikes, Malicious Damage, Burglary, Robbery and Broad Water Damage

• Alternative Accomodation
  

In case the building is rendered uninhabitable due to covered perils the insured may reimburse expenses up to P20,000 per month for 6 months

• Loss / damage of contents temporarily removed by professional movers
  

Covers the insured for loss or damage to contents while being moved by land transit by professional movers (up to 15% of Contents sum insured)

• Replacement of lock & keys due to named perils
  

In case of burglary or robbery, damage to locks and keys are covered up to P10,000

• Personal valuables damaged by named perils or stolen within the building
  

Covers jewelry, works of art, collectibles and other personal valuables up to P50,000 per item with an aggregate of P250,000

• Nationwide Personal Liability
  

Covers up to P1,000,000 when held legally liable to pay compensation for causing Bodily Injury or Property Damage to 3^rd parties due to the negligence of the insured or members of his family permanently residing with him

• Accidental Death Benefits
  

Covers the insured and spouse (below 65 years old) and unmarried children (1 to 22 years old) and unmarried children (1 to 22 years old) still residing with the insured up to P300,000

• All benefits mentioned in A&B except Loss of Rent

202 Erlag Bldg., 102 Esteban St.,

Legaspi Village, Makati City

Tel numbers: 8932285 / 8938790

Fax: 8935334

Email: paj546@hotmail.com

YM: paj.resources