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    Home Insurance

    What are the contents insured In Home Insurance policy?

    The contents of your home are insured as per the Replacement value. The policy covers the losses to the contents of your home due to any natural and man-made calamities.

     

    The calamities covered are:

    • • Fire
    • • Riot, strike and malicious damage
    • • Explosion and implosion
    • • Earthquake
    • • Lightning
    • • Storm, cyclone, tempest, tornado, hurricane, flood and inundation
    • • Damage due to impact by vehicles
    • • Missile testing operation
    • • Subsidence, landslides and rockslides
    • • Leakage from automatic sprinkler installations
    • • Aircraft damage
    • • Bursting and/or overflowing of water tanks, apparatus and pipes

     

    Burglary and Theft cover (only for contents): The contents of your home are also covered against loss due to burglary or an attempted burglary/ housebreaking. It also covers loss of jewellery, silver articles and precious stones kept under lock and key. Subject to selection of relevant add on cover.

     

    Optional covers:

     

    Terrorism cover: Covers any damages and losses to the contents of your home due to acts of terrorism. Please note that the Terrorism Cover is an optional cover and the coverage is valid for the first year only.

    Can I go for add-on covers in my policy? What do I do in case of a home insurance claim? I live in a building insured by my society. Would I need to take a separate home insurance policy? Does Home Insurance policy cover the home building for its market value? Can the building be covered in a building that is 45 years old? In Home Insurance policy how do I calculate the value of the structure? On what basis are the structure and contents insured in Home Insurance policy? Who can buy Home Insurance Policy? What type of dwellings can be covered under Complete Home Protect Policy? What is the procedure for assessing the value of my home building and its contents? Is short circuit covered under the policy? What is covered under valuables? If I work out of my home, is my inventory and business property also covered? What are the documents required for filing a claim? What do I do in case of a burglary claim? What is the maximum period that I can cover my home for under this policy? What if I sell the property during the insured period? If three people share an apartment, can each one take a separate home insurance policy? How do we get the valuation of our property done? In Home Insurance policy how do I calculate the value of contents? Why a list of items is not required in Home Insurance policy? How will you asses a claim in Home Insurance policy? How is the value of jewellery calculated in Home Insurance policy? If my servant is involved in the burglary, is the loss covered in Home Insurance policy? If losses are incurred due to an incident like the garden catching fire and spreading to the premises, will it be covered in Home Insurance policy? If my AC is damaged or is out of order due to a technical issue, is it covered in the Home Insurance policy? If I rent out my house will my tenants be also covered under Home Insurance Policy? If I work out of my home, is my inventory and business property also covered in Home Insurance Policy? Is my home insured if my wife uses a part of it (room) for conducting coaching classes?
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