Home Insurance

Comprehensive Home Insurance

This type of plan offers you a complete basket full of benefits and cover all the uncertainties which may harm your house. The plan not only covers the house but also covers its interiors and contents inside the home. All types of appliances, electrical equipment, jewellery, personal items, furniture, and other precious assets. Although you need to give a detailed description of the articles damaged during claiming and purchasing an insurance plan.

Household Articles Insurance

An insurance cover that provides coverage only for the contents of the house like appliances, furniture, jewellery, wardrobe, and other necessary items. If any of the materials inside the house got damaged or lost this policy will take care of its expenses. The only condition is that the cost of contents will be decided on the basis of the present market rate of that particular product/material.

Standard Fire and Special Perils Insurance Policy

This plan provides coverage against any damage to the household building that might be due to natural calamities, unforeseen events or any other related hazards like storms, riots, strikes, floods, fire, earthquake, etc. Different House including shopkeepers, godown owners, industry offices, etc. can purchase the plan for the security of the buildings.

Additional Covers

Many insurance companies are providing additional benefits to make the policy more comprehensive. Every company is offering different types of add-ons to the customers. The following are some of the additional benefits offered by a majority of companies. Coverage for rent loss, temporary living, replacing the lock and keys, burglary of ATM money, pets at home e.g. dogs, etc.

Building Insurance

As the name suggests, this plan is to cover exclusively your house, flat or apartment construction. Any type of house is covered under the plan except the houses made of mud, straw, dry leaves and wood. The interiors of the house are not covered under the plan. The sum assured of this policy is determined as per the restoration worth of the house.

Public Liability Coverage

This plan adds essence to the policy as it covers any type of losses or damages that you might have to suffer in the third-party's house or property, i.e. any injuries or death or accidents that might have taken place in the other person’s house is covered under the plan. Any type of handling costs or extra expenditure that the policyholder had to face is also included in the plan.