Householders Insurance

Householders Insurance

This is a package policy specially designed to meet the insurance requirements of a householder by combining under a single policy, a number of our standard policies usually taken by householders.

We arrange Insurance solutions that cover
Fire & Allied Perils
  • Coverage for building
  • Covers contents of the dwelling belonging to the proposer and his/her family members permanently residing with him/her.

Allied Perils:

  • Fire, Lightening, Explosion of gas in domestic appliances
  • Bursting and overflowing of water tanks, apparatus or pipes.
  • Damage caused by Aircraft
  • Riot, Strike, Malicious or Terrorist Act
  • Earthquake, Fire and/or Shock, subsidence and Landslide (including Rockslide) damage
  • Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tomado or Cyclone.
  • Impact damage

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 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 upto a limit of Rs.25,000/-.

Pedal Cycles (All Risks)
Covers loss or damage to pedal cycles by :
1. Fire & allied perils
2. Burglary, housebreaking, theft
3. Accidental external means
4. 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.

Section IX - 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.