HOME INSURANCE
We know picking the right home insurance can be overwhelming with so many choices out there. At RayoCare, we make it easy for you. Our all-in-one insurance package offers affordable rates, flexible policies, and top-notch customer service, making us the best choice for your home insurance needs.
With us, you can relax knowing your home and family are well-protected. Don’t wait for something unexpected to happen. Get a quote today and secure your peace of mind. Trust us to take care of what matters most to you.
HOME INSURANCE
We know picking the right home insurance can be overwhelming with so many choices out there. At RayoCare, we make it easy for you. Our all-in-one insurance package offers affordable rates, flexible policies, and top-notch customer service, making us the best choice for your home insurance needs.
With us, you can relax knowing your home and family are well-protected. Don’t wait for something unexpected to happen. Get a quote today and secure your peace of mind. Trust us to take care of what matters most to you.
Perils Covered
| Coverage | Basic Coverage |
Basic Coverage (Without Water - Related Perils) |
Complete Coverage |
|---|---|---|---|
|
Fire and Lightning |
Included |
Included |
Included |
|
Earthquake Fire/ Shock |
N/A |
Included |
Included |
|
Typhoon |
N/A |
Included |
Included |
|
Flood |
N/A |
N/A |
Included |
|
Extended Coverage |
N/A |
Included |
Included |
|
Riot Strike |
N/A |
Included |
Included |
|
Malicious Damage |
N/A |
Included |
Included |
|
Broad Water Damage |
N/A |
N/A |
Included |
|
Malicious Damage |
N/A |
Included |
Included |
|
Bursting of Water Tank, Apparatus & Pipes |
N/A |
N/A |
Included |
Supplementary Coverages & Extensions
| Coverage | Basic Coverage |
Basic Coverage (Without Water - Related Perils) |
Complete Coverage |
|---|---|---|---|
|
Professional Fees |
Included |
5% of Sum Insured |
5% of Sum Insured |
|
Temporary Accommodations |
N/A |
5% of Sum Insured;
max of 3 months |
5% of Sum Insured;
max of 3 months |
|
Home Assistance |
N/A |
5,000 per service,
per Availment; max of 4 |
5,000 per service,
per Availment; max of 4 |
|
Removal of Debris |
N/A |
5% of Sum Insured of affected items |
5% of Sum Insured of
affected items |
|
Fire Fighting Expense |
N/A |
Up to 20,000.00 |
Up to 20,000.00 |
|
Residence Employee’s Properties |
N/A |
5,000 per employee; max of 4 |
5,000 per employee; max of 4 |
|
Comprehensive Personal Liability
(Bodily Injury & Property Damage) |
N/A |
Aggregate of 200,000 |
Aggregate of 200,000 |
|
Personal Accident
(Accidental Death & Dismemberment) |
N/A |
Aggregate of 200,000 |
Aggregate of 200,000 |
|
Personal Accident (Medical Expense) |
N/A |
Aggregate of 5,000 |
Aggregate of 5,000 |
|
Personal Accident to Resident’s Employees
(Accidental Death & Dismemberment) |
N/A |
5,000 per employee |
5,000 per employee |