Fire and Special Perils

This section covers losses or physical damage to your home building, furniture & interiors, fittings & fixtures, household appliances, electronic gadgets and jewellery/valuables of your home due to:

1. Fire
2. Explosion/Implosion: Damage caused to boilers, geysers, economisers, other machinery or apparatus.
3. Lightning
4. Earthquake, volcanic eruption or other convulsions of nature
5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood & Inundation (STFI)
6. Subsidence of the land on which your Home Building stands, landslide, rockslide
7. Bush fire, forest fire, jungle fire
8. Impact damage of any kind ie. damage caused by impact of, or collision caused by any external physical object (eg. vehicle, falling trees, aircraft, wall etc.)
9. Missile testing operations
10. Riot, Strike, Malicious Damages
11. Acts of Terrorism (Coverage as per Terrorism Clause. Pls refer to Policy Wordings document)
12. Bursting or overflowing of water tanks, apparatus and pipes
13. Leakage from automatic sprinkler installations
14. Theft within 7 days from the occurrence of and proximately caused by any of the above Insured events

Alternative Accomodation / Rent for Alternative Accomodation

This section covers rent for a defined period of time in case insured property is not fit to live. Some plans will cover the reasonable increase in living expenses within the same city in the event of the property getting damaged/destroyed on account of an Accident during the Policy Period and becoming unfit for occupation

Burglary & Theft

This section covers losses to the Home Building and Home Content on account of Burglary/Theft/Larceny

Jewellery and Valuables

Jewellery, precious stones, curios, antiques, Fine Arts, “Pair & set” and items of similar nature is covered under this section. This section covers all risks of direct physical loss or damage to Valuable articles anywhere in India and worldwide (on a temporary basis)

Baggage

This section covers theft and accidental loss or damage to the personal baggage accompanying and belonging to you and/or your family on a trip undertaken outside the municipal limits of the insured city or while temporarily carrying anywhere in the world. Some plans also indemnify the expense incurred for contingency purpose, occasioned by the loss

Domestic Electrical and Electronic Appliances

This section includes items like AC, TV, Fridge, Oven, Music System and items of similar nature. This section covers loss or damage to the domestic electrical and electronics items from unforeseen and sudden mechanical and/or electrical breakdown

Portable Electronics

This section includes items like mobile phone, laptops, tablets, cameras, IPads etc. This section covers loss or damage to portable electronic items from unforeseen and sudden electrical breakdown

Public Liability

This section covers damage on account of legal obligation and defence cost for Personal Injury or Property Damage caused to guests or a third party. This section offers coverage to the insured and his/her family members. Some plans may cover on a worldwide basis

Marine Transit

Some plans may offer coverage for all risk damage to your Home Contents while in transit from the insured premise to any other location owned by the insured. This excludes valuable contents. Some plans may cover burglary or theft for a period of 10 days from the date of delivery of Home Contents

Cash in Safe

This section covers against loss of Cash occasioned by robbery, theft, burglary, housebreaking, or hold up while cash is kept at the insured premise in locked safe(s) or strong room

Recreational Bicycle Cover

This section covers pedal cycles, tricycles, skateboards, roller skates, scooters or items of similar nature which are driven manually and are not motor or electrically driven and used for recreational purpose. This section indemnifies the repair and replacement cost of the bicycle owned by the insured and his/her family members on account of any unforeseen and sudden physical loss. This section also indemnifies litigation expenses/defence cost/compensation in case of third party damage

Pet Cover

This section covers your pet dog or pet cat against any unforeseeable event. This section indemnifies the veterinary expenses on account of road accident, poisoning, dacoity, robbery, terrorism, death of the pet and theft of the pet from home premises

Personal Accident

This section covers death or disability arising to the Insured or his/her family members or his/her domestic staff due to injury caused by an Accident during the policy