Home Insurance Applicability depending on Purpose of Home

Use for residence 

a. The insurer will pay only if Your Home Building is used for the purpose of residence of yourself and your family, or of your tenant, licensee or employee. 

b. The insurer will not pay if 

i. Your Home Building is used as a holiday home, or for lodging and boarding, or 

ii. Your Home Building or any part of Your Home Building is used for purposes other than residential except where it is used both for Your residence and for the purposes of earning Your livelihood if You are self- employed or You have shifted Your office to Your Home Building for a temporary period due to lockdown or closure of Your office ordered by a public authority