હોમ ઇન્શ્યોરન્સ પ્રીમિયમ કૅલ્ક્યૂલેટર

Get comprehensive protection against wide range of risks like accidental fire, lightning, flood, storm, earthquake, accidental damage, theft, burglary and more, except named exclusions

Option to secure your valuables, jewellery, laptops, mobiles, cameras & other portable equipments anywhere in the world

Under many policies if you under-declare sum insured, then there is a pro-rata deduction from claim payable. However, under this policy proportional deduction will not be applied

You need not declare list of contents if the content sum insured is above INR 5 Lacs

Policy can be issued for a period upto 5 years

If the sum insured is exhausted due to a claim, it will be restored for subsequent claims within the policy year

You can select plans that are best suited for your needs

Streamlined and hassle-free claims process to ensure quick settlements

Round-the-clock assistance to address any queries or emergencies promptly

* Indicative annual premium for 1 lakh sum insured

Indemnifies losses to insured building structure (floors, walls, windows, fitted-in sanitary wares/fittings, piping and plumbing, electrical fittings) from all risks except named exclusions

Indemnifies losses to Home Contents such as clothing, shoes, furniture, fixtures, retro-fitted sanitary fittings and electrical fittings, crockery, cutlery, steel utensils, other home articles while they are within the specified home premises

Indemnifies losses happening anywhere in India to your laptops, mobiles, i-pads, musical instrument, hearing aids, fitness trackers, personal medical devices cameras and similar items. You can opt for a global coverage too.

Covers losses to your declared jewellery items anywhere in India. You can opt for a global coverage too. Sum insured is determined as per the valuation report

If your home becomes inhabitable due to covered perils, some plans cover rent & brokerage for alternate accomodation up to a specified limit

Expenses incurred towards emergency purchase of food, clothing, medicines and similar daily essentials are covered upto INR 20,000 under some plans

Following a loss, these fees are covered up to 3% of the claim amount

Following a loss, destruction or damage to insured property by a covered peril, cost of debris removal is covered up to 1% of the claim amount

5% of each and every claim, pertaining to the portable equipment/portable items subject to a minimum of INR 2,500 is deducted

Mis-representation/non-disclosure of any material facts/pre-existing damages/structural defects, latent defects, poor maintenance, poor workmanship, poor design, manufacturing defects etc are not covered

Damages due to wear and tear, depreciation, moth, vermin, insects or mildew, process of cleaning, dyeing or bleaching, restoring, repairing, retouching or renovation, inherent vice, warping or shrinkage, the action of light or atmospheric conditions, natural ageing or any other gradually operating causes are not covered

Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, musical instruments, sports gear and similar articles of brittle or fragile nature, unless caused by fire or accidental external means are not covered

Loss or damage due to mechanical or electrical breakdown are not covered unless specifically covered under the policy

Loss of cash, currency, or similar valuables are not covered unless specifically covered under the policy

Loss from safe inside insured “building”, by use of the key or any duplicate thereof or access code to the safe belonging to the insured, unless this has been obtained by threat or by violence

Dismantling, fitting adjustment, repair alteration or modification not approved by the makers/manufacturers and/or their agents. Damage falling under the terms of the maintenance agreement

Loss, damage or liability arising directly or indirectly from seepage, pollution or contamination

Please refer to policy wordings for details

Covers cost for replacing locks and keys of your home and vehicles if they are lost or stolen

Provides financial protection if you are robbed after withdrawing cash from an ATM

Replacement costs for lost or stolen wallet as well as personal papers and payment cards that were in the wallet

Insures against death from accidents or diseases of your pet dog covered under the policy

Offers protection against legal liability for accidental bodily injury or property damage to third parties

Covers legal liability towards employees for injury, illness or death arising out of employment duties

Covers expenses for temporary accommodation if your home is uninhabitable following a loss

Compensates for lost rental income if your insured property becomes uninhabitable following a loss