Householder Package Policy

Protection Against Natural Risks: Natural disasters like floods, earthquakes, cyclones, storms and numerous other risks are covered by this policy.

Coverage for Valuables at Home: This policy can insure important valuables such as  jewellery, kitchenware and furniture.

Coverage Against Man-Made Hazards:  This policy may cover risks like fire, robbery, theft, looting, vandalism, rioting, and more.

Optional Additional Coverages: There are also a number of additional coverage options, including loss of rent, long-term insurance and coverage for portable equipment

Buildings and Content: Our householder package policy provides coverage for both the physical structure of your home and the contents inside it. This includes protection for your furniture, appliances, valuables and other household belongings against covered risks.

Jewellery and Precious Items: This type of home insurance policy also prevents jewels and other valuables from being lost or damaged as a result of theft, burglary or other insured risks.

Burglary and Theft: With a householders package policy, you can also obtain coverage for theft, forced entry, housebreaking, larceny, or burglary-related loss or damage to the covered property.

Plate Glass: This policy also covers fixed plate glass that breaks unintentionally on the insured property. The indemnification applies through repair, direct replacement, or financial reimbursement up to the item’s declared sum insured.

Pre-Existing Damage: Our householder package policy in India does not cover any pre-existing damages like rot, rust, or decay that have built up over a long time to your home’s structure and contents.

Manufacturing Defects: We also exclude the loss or damage to your electrical, electronic and mechanical items that have manufacturing defects. This means you cannot get coverage for old problems that existed before your policy purchase.

Consequence for Indirect Loss: We also do not cover any indirect or consequential losses, like loss of rental income as a result of a fire that temporarily renders your property uninhabitable.

Intentional Damage: The householder package policy does not cover any willful or intentional destruction of your property. For instance, we do not cover smashed windows or doors knocked off hinges.

Homeowners: Homeowners who legally own an apartment or other residential properties are ideal to buy this policy. A householder package policy protects both your building and household contents.

Tenants: To cover appliances, household items, and personal belongings, tenants can also purchase this insurance policy. A householder policy also saves their movable assets against floods, storms, and fire.

Joint Families: Joint families should also consider buying a householder policy to safeguard their personal liability and high-value contents for the whole family with a single plan.

Landlords: Landlords can also buy this type of home insurance policy to get coverage for structural damage from storms, floods, fire or riots.