With SmartHome, you have the choice to portect your home and precious personal and household belongings the best way that suits your needs. There are three levels of cover available that can be chosen: Silver, Gold and Platinum.


Enjoy "All Risks" Cover

Many home are insured only against fire or limited perils only. But, SmartHome offers extensive cover including accidental loss of or damage to your Home building and contents plus theft.


Worldwide Cover

If you choose Platinum Plan, you can enjoy the widest cover where we also cover accidental loss or damage of your personal belongings worn or carried while you are travelling any where in the world.


More Benefits...

This policy also pays for:

	Loss of Rent and Alternative Accommodation If your house cannot be lived in due to loss or damage covered under the policy and you have to find alternative accommodation, SmartHome pays for such expenses.
	Loss or damage caused by Domestic Servant If your household contents or personal belongings are lost or damaged because of your domestic servant, SmartHome also provides such cover.
	Automatic Inclusion of new Property If you buy new things and you haven't had a chance to inform us. SmartHome will automatically cover these items if loss or damage occurs within 30 days from the date of purchase up to limit specified in the policy.

You will enjoy many other extra benefits with NO additional premium.

Sumamry of Cover

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Basic Fire	:	Fire, Lightning, Explosion, Impact by Aircraft
Fire Full Perils	:	Basic Fire + Flood + Riot, Strike, Malicious Damage & Civil Commotion + Theft WITH Forcible Entry
All Risks	:	Fire Full Perils + Accident Damage + Theft WITH / WITHOUT Forcible Entry

PLAN	SILVER	GOLD	PLATINUM
COVERAGE	Basic Fire	Fire Full Perils	All Risks
BUILDING
EXTENSION Earthquake Flood RSMDCC Landslide or Landslip Accidental Damage Theft WITH Forcible Entry Theft WITHOUT Forcible Entry	(optional) (optional) (optional) N.A. N.A. N.A.	N.A. N.A.
EXTENSIONS AUTOMATICALLY INCLUDED Fire Extinguishing Expenses Professional Fee (i.e. Architect) Removal of Debris Capital Additions Property Owner’s Liability Loss of Rent or Alternative Accommodation Breakage of Glass & Sanitaryware Accidental Damage to Underground Services	N.A. N.A.	N.A. N.A.
CONTENTS
EXTENSION Earthquake Flood RSMDCC Accidental Damage Theft WITH violence/forcible entry Theft WITHOUT violence/forcible entry	(optional) (optional) (optional) N.A. N.A. N.A.	N.A. N.A.
EXTENSIONS AUTOMATICALLY INCLUDED Cost of Temporary Accommodation and Loss of Rent Accidental Breakage to Fixed Mirrors Removal of Debris Locks and Keys (max. Rp5,000,000) Personal Effects of Domestic Servants (max. Rp1,000,000) Loss or Damage caused by Domestic Servant (max. Rp1,000,000) Frozen Food (max. Rp500,000) Automatic Inclusion of New Property Tenant’s Improvement, Decorations Betterment Property in the Open (max. Rp1,500,000)	N.A. N.A. N.A. N.A. N.A. N.A. N.A.	N.A. N.A. N.A. N.A.
ARTICLES OUTSIDE PREMISES
Within Indonesia only Worldwide	N.A. N.A.	N.A.
PERSONAL LIABILITY
FUNERAL EXPENSES
LOSS OF DOCUMENTS (OUTSIDE PREMISES)	N.A.	N.A.
LOSS OF MONEY & CREDIT CARDS (OUTSIDE PREMISES)	N.A.	N.A.

Question & Answer

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1. Q:	What can be insured under SmartHome Policy?
A:	Under SmartHome Policy you can insure your Building. In general this policy covers your building structure, the permanent fixture & fittings such as built-in cabinet, fix carpet and other immovable decoration. You may also include outbuilding such as garages, walls, gates. But it does not insure the land.Beside the building, you may also insure your household contents such as furniture, TV and hi-fi set, computer, personal effects, valuables (i.e. watches, jewellery, camera), and kitchen appliances.Under Platinum and Gold plan your personal belongings can also be covered when they are outside premises.
2. Q:	Do I need to provide a list for all my personal belongings?
A:	No. You only has to provide the list of: a) Household & personal effects which have an individual value more than Rp 20,000,000 or US$ 2,000 (if the cover is within premises only) b) Personal effects & valuable item which have an individual value more than Rp 5,000,000 or US$ 500 if the cover is including outside premises c) Handphones and Notebook
3. Q:	Can SmartHome cover my personal belongings whilst outside premises?
A:	Yes. Under Gold plan your personal belongings can be covered within Indonesia and under Platinum they even can be covered worldwide.
4. Q:	What does make SmartHome different from other Home Insurance?
A:	SmartHome is a package policy that covers your building or contents not only from fire or other main risks i.e. flood or riot and civil commotion but also provides other free benefit such as architect fees, removal of debris, personal liability, loss of rent & temporary accommodation. There are three packages – Platinum, Gold, Silver – that you can chose to suit your needs.

For more information, please contact us at +62 21 522 5501 - 03 or email us
at axaindo@axa-insurance.co.id