Home Insurance

The Home insurance gives you peace of mind by protecting your house and valuables for a long period of time. It secures your property from any uncertain future losses. The covered elements include losses to your home, its contents, or loss of other personal possessions of the homeowner.

The insured is given an option to insure the building structure or opt for the contents or both. Usually, fire, malicious damage, earthquake, explosion, storm, cyclone, landslides, rock slides and burglary are covered. In case of theft, the contents of the home are also covered including loss of jewelry, silver articles and precious stones.

• The basic feature of the policy is the protection of the building and its contents from hazards, such as fire, lightning, explosion, terrorist acts and earthquake etc. But this cover does not include valuables (such as jewellery).
• The second feature includes Protection against burglary and cover for jewellery and other valuables. This cover has to be taken separately, over and above the basic feature by paying additional premium.
• The other features include protection for breakage of plate glass, baggage loss, and breakdown of domestic appliances /electronic gadgets, such as televisions, VCRs and DVD players as well as a personal accident insurance.