Household Insurance

    Scope

  • The policy gives you an All risk Comprehensive Insurance coverage to secure your assets

  • Fire & Allied Perils

    • 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, Tornado or Cyclone.
    • Impact damage
  • Burglary & House Breaking including larceny and theft

  • Covers contents of the dwelling against loss due to burglary, house breaking, larceny or theft

  • 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.

  • Breakdown of Domestic appliances

  • Covers domestic appliances against unforeseen and sudden physical damage due to mechanical or electrical breakdown.

  • Electronic Equipment Insurance (ALL RISKS)

  • Covers loss or damage to T.V.Set including Music System, Computers by fire and allied perils, burglary, house breaking or theft, breakage due to accidental external means, mechanical or electrical breakdown.

  • Pedal Cycles (All Risks)

  • Covers loss or damage to pedal cycles by :

    • Fire & allied perils
    • Burglary, housebreaking, theft
    • Accidental external means
    • Third party personal injury or Third party property damage for Rs.10,000/-
  • 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.

  • 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.

  • 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.

    It is compulsory to opt for Section IB of the policy. A minimum of three sections including Section IB have to be taken for issuance of this policy.

    This is a package policy specially designed to meet the insurance requirements of a householder.

  • Highlights

  • This is 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.