- Architects and other professional fees.
- Automatic reinstatement.
- Capital additions.
- Demolition clearing costs.
- Disposal of salvage.
- Earthquake.
- Fire extinguishing charges.
- Labourers, contractors and employees’ actions or omissions done without your knowledge.
- Limitations: Money and stamps (up to N$5,000), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
- Mortgagees.
- Municipal plans scrutiny fees.
- Power surges and lightning strikes.
- Prevention of access.
- Property removed temporarily.
- Public authorities' requirements.
- Public supply connections.
- Railway other subrogation clause.
- Rent and alternative premises.
- Reinstatements replacements.
- Security costs.
- Tenants' clause.
- Vehicle loads.
- Water heating and pipes.
- Weather related perils = storm, wind, water, hail and snow.