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Home Insurance

The Householder's Package Policy provides comprehensive coverage for your home under various sections that cover your household / domestic property. This policy also covers your family against accidental death / disability, apart from providing a whole host of value-added benefits.

Fire & Allied Perils

a:- Coverage for building

b:- Covers contents of the dwelling belonging to the proposer and his/her family members permanently residing with him/her.

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.

Plate Glass

Loss or damage to fixed plate glass in the insured premises by accidental breakage subject to limit of sum insured

Breakdown of Domestic appliances

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

T.V. Set including VCP/VCR (ALL RISKS)

Covers loss or damage to pedal cycles by : Covers loss or damage to T.V.Set including VCP/VCR by fire and allied perils, burglary, house breaking or theft, breakage due to accidental external means, mechanical or electrical breakdown. Any legal liability arising out of bodily injury or accidental death of any person other than insured's family members or employee as also damage to property not belonging to or in the custody of insured , caused by use of the T.V. Set is also covered

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.

Earthquake

Terrorism.

War and nuclear perils

Pollution or contamination.

Spoilage

Volcanic eruption or other convulsions of nature

Change of temperature resulting in damage of stocks

Consequential effects of the specified perils