Home / Householders Insurance

What is Home / Householders Package Policy?

An Insurance policy specially designed to cover various risks and contingencies faced by householders under a single policy. It provides protection for property, your domestic and electronic appliances, interests of the Insured and his family members.

Comprehensive Policy Coverages:

  1. Fire & Allied Perils: covers the structure and contents of your home, against fire and allied perils including earthquake.
  2. Burglary & Housebreaking: covers loss or damage to the contents of your home against burglary and housebreaking.
  3. All Risk Insurance: provides all risk cover to your jewellery and valuables anywhere in India.
  4. Plate Glass: covers loss or damage to fixed plate glass in your home due to accidental damage.
  5. Domestic Appliances like Air conditioners & Refrigerators etc: provides coverage to your personal baggage whilst on your journey in India.
  6. Electronic Equipment like TV & VCR etc: provides all risk cover to your electronic appliances including personal computer with accessories such as printers contained in your home.
  7. Pedal Cycles: covers loss or damage to your pedal cycle.
  8. Baggage Insurance: provides coverage to your personal baggage whilst on your journey in India.
  9. Personal Accident Insurance: provides for compensation in the unfortunate event of accidental death or disability. Also provides for education grant for dependent children and cost of carriage of dead body.
  10. Public Liability & Workmens Compensation:
    • To domestic servants - provides compensation to the domestic servants for accidents arising out of and in the course of employment.
    • To Third parties - provides cover for legal liability to third parties.

General Exclusions:

This policy does not cover loss or damage:

  • Caused by war or allied perils
  • Nuclear radiation and the like
  • Terrorism: This is an optional cover which can be covered by paying the additional premium