House Owners Insurance

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House Owners Insurance

Comprehensive protection for your home against a wide range of perils.

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Your home is more than just walls and a roof—it’s your sanctuary. At SUN Insurance, we’re here to protect what matters most with our Houseowners Insurance, offering extensive coverage against life’s unexpected disasters. From fire, lightning, and earthquakes to riots, water damage, and even volcanic eruptions, we’ve got you covered. Need cyclone protection? Choose between our standard coverage (with a certified engineer’s approval) or our hassle-free limited cyclone cover. Plus, if disaster strikes and your home becomes uninhabitable, we’ll help with up to $10,000 in temporary accommodation. As Fiji’s only locally owned insurance provider, we deliver fast, efficient service with a personal touch—because protecting your home is our top priority.

Leakage - Water damage from burst pipes? We’ll pay up to $2,000 for repairs.
Liability up to $500,000 - Covers up to $500,000 for accidental injury or property damage caused to third parties.
Landscaping - Fire or vehicle impact damage to your lawn, trees, or shrubs? We’ll cover up to $1,500 per event.
Funeral Costs Benefit - Up to $2,500 in funeral expenses if you or a named insured passes away (excluding suicide).
No engineer’s certificate? No problem! Choose our Limited Cyclone Cover with an expired certificate or completion certificate.

Free Contents Cover - Household contents insured up to $10,000 at no extra cost.

Loss of Rent - If your property is damaged by an insured event and becomes uninhabitable for tenants, we’ll cover the resulting rent loss. We’ll also cover up to $5,000 for rented chattels that would otherwise be excluded.
Cyclone - Protect your property from windstorms, hurricanes, and cyclones.
No engineer’s certificate? No problem! Choose our Limited Cyclone Cover with an expired certificate or completion certificate

How do I file a claim with Sun Insurance?

Contacting any of Sun Insurance agency
Visiting any of Sun Insurance Branches in Fiji
Visiting Sun Insurance Website

What is an insurance excess and how does it work?

An excess is the amount of money the insured must pay out of their pocket when making a claim on their insurance policy.

For more FAQs click here >

Click for Home Owners Policy PDF

Why choose Sun Insurance?

Sun Insurance is more than an insurance provider; we are a partner committed to helping you navigate life’s uncertainties with confidence. Let us show you the Sun difference today!