Home contents
Personal possessions covered worldwide
New for old cover for damaged items
Workmen’s compensation for all employed staff
Coverage for home, contents and personal possessions
New for old cover for damaged items
Legal liability cover for your domestic staff
Replacement locks and keys in case you are ever locked out
Coverage for your home, contents or both.
Great options for owners and tenants.
Customised building cover for landlords
Emergency Accommodation
Liva offers you peace of mind in the unfortunate event of any damage that makes your home unfit to live in. Our home insurance cover provides you with emergency accommodation until your home is ready to move back in to and also compensates you for any lost rental income on your home.
Replacing Door Locks
It is no wonder that most of us have been locked out of our homes at some point in the past. If your are lost or stolen, we could pay up to BD50 to replace your locks and keys, ensuring you are back in the comfort of your home before you know it.
Domestic Help
Liva will pay up to BD25,000 towards your legal liability should your personal domestic help be injured or unwell while under a contract of service with you.
Deep Freezer Frozen Foods
If food in your freezer is damaged or spoilt due to your freezer breaking down, our home contents cover can ensure you are replaced with every item in your fridge that was spoilt as a result.
Furniture in Transit
Ever move houses and realise that your mover has damaged some, if not all of your items? Our Home Contents cover will also protect against any damage to your contents and furniture whilst it is in transit with a professional removal company anywhere in Bahrain.
Contents Insurance
Our Contents Insurance cover protects your valuable and personal possessions. Whether you are a tenant, landlord or a home owner, we have the right coverage to suit your needs. With a range of additional extras such as money and legal expenses cover to choose from, we think our Contents Insurance cover can give you the peace of mind to sleep soundly every night.
Buildings Insurance
Building Insurance cover from Liva protects the foundation and structure of your home. Whether it is to repair a small burst pipe or to rebuild your home after a fire, Liva has it covered!
Personal Possessions Cover
Personal Possessions covers you against the loss of personal possessions belonging to you or any other member of your household. This cover is also extended for up to 60 days anywhere in the world. You are also covered for accidental loss or damage to your valuables, clothing and personal possessions.
Frequently asked questions
I Do I need buildings insurance?
Building insurance is only needed if you are legally liable for the building, i.e., if you own the building as a landlord. As the vast majority of people in Bahrain are only tenants paying rent, this insurance is not applicable to them.
I What is "outside of the home" cover?
This cover is for objects that are literally "taken outside of the home". These items could include cameras, watches, sunglasses, jewelry and so forth.
Cover for such items can be arranged on both a specified and an unspecified basis. Items over BD250 need to be specified, while items below this amount can be insured by a general sum.
Request for a quote by calling us directly on 80001 (Liva) 772 and for further assistance.
I Will my policy be affected if I go away on holiday?
Home insurance and cover while you are away on holiday is provided with the condition that you do not leave your home empty for more than 60 days.
In case you plan to be away for more than 60 days, contact us on 80001 (Liva) 772 and speak to one of our dedicated insurance advisors to arrange for your cover to be extended.
I How are lost or damaged items replaced?
Lost or damage items will all be replaced on a new for old basis (except for clothing, where a wear and tear deduction may be made).
How will my renewal policy be affected if I make a claim?
In most cases, it shouldn't make a big difference to your policy. However, for the small number of cases where the number of claims is well above the average, we may alter the terms of cover and/or increase the premium when it's time to renew the policy.
What is the excess(deductible) if I make a claim?
The excess or deductible is dependent on the section you are claiming under. The standard excess for buildings is BD100, for contents its BD25, and cover outside the home is BD25.
How much should I insure my home and contents for?
Building should be insured for the amount of their rebuilding cost (not current market value), which can usually be found on the buyers' report or survey, obtained upon purchase of the property. However, please note that this figure will need to be revised in keeping with market inflation.
On the other hand, contents must be insured for the total current replacement cost of all items you would take with you if you were moving out. These items could include, but not limited to, carpets, curtains, furniture, electrical appliances, valuables, clothing and personal effects.
Items that are to be insured outside of the home do not need to be included in the contents sum insured figure.
Request for quote by calling us on 80001 (Liva) 772 or visiting our office to speak to one of our insurance advisors.
Do I need to list all of my contents?
Only items in the home that are worth more than BD250 need to be specified. Please note that there is no increased charge for these - the figures are mainly for our reference.
Do I need to provide valuation or proof of purchases for my items?
As a rule, no. However, we may ask at the time of claim for any proof of purchase like receipts or any operating manuals. For items that are specified in the policy under cover outside of the home, these need to be supported by proof of purchase or a recent valuation certificate.
Will my buildings insurance cover my outbuildings such as the garage and shed?
Yes, all domestic garages, outbuildings, sheds, extensions and conservatories fall under the definition of buildings and are covered under that section. You should make sure that the sum insured for your buildings cover includes the rebuilding cost of these structures.
If I have a mortgage, will you note the lender's interest on my policy?
Yes, you can add the name and address of your mortgage lender on the summary of details page which appears after you have entered your payment details.
Can I insure my home if it is used for business?
Our home insurance policy is designed for items of personal use only. However, if your home-office is used for anything other than paperwork and telephone calls, such as receiving clients/customers, employing staff or keeping business related cash or stock at the property, please call us on 80001 (Liva) 772 to discuss your requirements.
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