Types of Home Insurance Coverage in India

Fire and Special Perils: Covers loss or physical damage due to fire, explosion or implosion, lightning, earthquake, volcanic eruption or other like convulsions of nature, storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood, inundation and 14 other risks.

Rent for Alternative Accomodation: Covers rent for a defined period of time in case the 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

Theft & Burglary: Covers loss or physical damage to your home contents due to theft and burglary

Jewellery & 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)

Domestic Electrical & 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 electronic items from unforeseen and sudden mechanical and/or electronic breakdown

Portable Electronics: Covers loss or damage to portable electronic items like mobile phones, laptops, tablets, cameras, iPads etc. from unforeseen and sudden electrical breakdown

Baggage: 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

Public Liability: 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

Personal Accident: Covers death or disability of the insured or his/her family members or his/her domestic staff due to injury caused by an accident during the policy

Pet Cover: 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