Home Insurance

It’s a package policy specially designed to meet the insurance requirements of a householder by combining under a single policy, a number of our standard policies usually taken by householders. The policy comprises of 10 sections as given here under

Section I - Fire & Allied Perils : covers

Coverage for building Covers contents of the dwelling belonging to the proposer and his/her family members permanently residing with him/her.

Allied Perils:

Fire, Lightening, Explosion of gas in domestic appliances
Bursting and overflowing of water tanks, apparatus or pipes.
Damage caused by Aircraft
Riot, Strike, Malicious or Terrorist Act
Earthquake, Fire and/or Shock, subsidence and Landslide (including Rockslide) damage
Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tomado or Cyclone.
Impact damage

Section II - Burglary & House Breaking including larceny and theft. : Covers contents of the dwelling against loss due to burglary, house breaking, larceny or theft.

Section III - All Risks (Jewellery & Valuables) : Covers loss or damage to your jewellery and valuables by accident or misfortune whilst kept, worn or carried anywhere in India subject to the value declared in the schedule.

Section IV - Plate Glass : Loss or damage to fixed plate glass in the insured premises by accidental breakage subject to limit of sum insured

Section V - Breakdown of Domestic appliances : Covers domestic appliances against unforeseen and sudden physical damage due to mechanical or electrical breakdown.

Section VI - T.V. (ALL RISKS) : Covers loss or damage to T.V.Set including other electronic items by fire and allied perils, burglary, house breaking or theft, breakage due to accidental external means, mechanical or electrical breakdown.

Section VII - Pedal Cycles (All Risks) : Covers loss or damage to pedal cycles by :

Fire & allied perils
Burglary, housebreaking, theft
Accidental external
Third party personal injury

Section VII - Baggage Insurance : Covers loss or damage to insured's accompanied baggage by accident or misfortune whilst the insured is traveling on tour or holiday anywhere in India.

Section IX - Personal Accident : Covers Death or bodily injury by accidental, violent, external and visible means to the insured person named in the schedule and subject to limits specified therein.

Section X – Public Liability : Covers Insured's legal liability for bodily injury or loss of or damage to property of third party limited to amount specified in the schedule and workmen's compensation liability to domestic servants engaged in insured's premises.