Boubyan Takaful Household Comprehensive Insurance is a Sharia-compliant home insurance policy that protects your home and personal belongings in Kuwait against risks such as fire, theft, storms, floods, earthquakes, and other covered damages. It also provides third-party liability coverage and temporary accommodation if the home becomes uninhabitable.

Boubyan Takaful Household Comprehensive Insurance includes:

Section 1: Buildings

• Covers the building and external accessory structures (fences, garages, etc.)ز
• Protection against fire, lightning, explosion (excluding water tanks/pipes unless sudden), storms, cyclones, floods, theft or attempted forced entryز
• Covers vehicle collision (not owned by the insured), earthquakes, aircraft, or items dropped from themز

Section 2: Contents

• Covers furniture, luggage, appliances, and personal effects against the same main perils
• Excludes gold, jewelry, fur, cars, boats, animals, contracts, bonds, securities, cash, stamps, or documents.

Section 3: Loss of Rent / Alternative Accommodation

• Covers temporary accommodation or rental loss if the home is uninhabitable due to damage
• Up to 5% of contents sum insured or 500 KD, whichever is lower

Section 4: Third-Party Liability

• Covers legal liabilities for bodily injury to others or damage to their property caused by your building or flat (excluding family or employees)
• Coverage up to 1,000 KD per incident, including legal costs with company approval

Boubyan Takaful Household Comprehensive Insurance does not cover losses resulting from:

• Nuclear events, war, civil commotion, terrorism
• Theft or damage caused intentionally by the contributor or family
• Consequential losses (e.g., business interruption, loss of income)
• Liability from professional/business activities
• Damage to vehicles, elevators, or other items under separate insurance

Any property owner or legal occupant of a private residence or flat in Kuwait can apply for Boubyan Takaful Household Comprehensive Insurance. Family members residing in the home are also covered.

1. Notify Boubyan Takaful immediately in writing.
2. Submit a detailed claim with supporting evidence within 30 days of the incident.
3. In theft/robbery cases, report to the police immediately.
4. Provide all required documents if part IV (liability) claims arise.
5. Do not negotiate or settle claims independently without company approval.