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Householder Package Householder Package
Householder's Policy

This is a package policy specially designed to meet the insurance requirements of a householder.

Highlights

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.

Scope

The policy comprises of 10 sections as given here under

    Section I - Fire & Allied Perils

      a. Coverage for building

      b. Covers contents of the dwelling belonging to the proposer and his/her family members permanently residing with him/her.

      Allied Perils:

        1. Fire, Lightening, Explosion of gas in domestic appliances

        2. Bursting and overflowing of water tanks, apparatus or pipes.

        3. Damage caused by Aircraft

        4. Riot, Strike, Malicious or Terrorist Act

        5. Earthquake, Fire and/or Shock, subsidence and Landslide (including Rockslide) damage

        6. Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tomado or Cyclone.

        7. Impact damage

    Section II - Burglary & House Breaking including larceny and theft.

    Covers contents of the dwelling against loss due to burglary, house breaking, larceny or theft

    Section III - 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

    Section IV - Plate Glass

    Loss or damage to fixed plate glass in the insured premises by accidental breakage subject to limit of sum insured

    Section V - Breakdown of Domestic appliance

    Covers domestic appliances against unforeseen and sudden physical damage due to mechanical or electrical breakdown.

    Section VI - 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.

    Section VII - 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.

    Section X - Public Liability

    Covers Insured's legal liability for bodily injury or loss of or damage to property of third party limited to amount specified in the schedule

The policy will not pay loss/damage due to:
  • War and war like perils
  • Wear and tear depreciation consequential loss
  • Nuclear group of perils
  • Gross and wilful negligence of Insured
  • Violation of policy conditions
  • Loss/damage/liability where Insured's family or Insured's employee are involved as principal/accessory Intentional act/self injury/ influence of drug/intoxicant.

Office Umbrella Policy

The Office Umbrella Policy is a comprehensive insurance policy, specially designed by to provide protection to your Office against different kinds of risks and perils.

Covered Risks

    Section 2A:-Contents contained in the office.

    Section 2B:-Tenant's legal liability.

    Section 3:-Money Insurance.

    Section 4:-Fixed glass and sanitary fittings.

    Section 5:-Fidelity Guarantee.

    Section 6:- Electronic Equipment Insurance.

    Section 7:- Alternate Accommodation.

    Section 8:- Personal accident.

    Section 9:- Breakdown of office appliances.

    Section 10:- Baggage.

    Section 11:- Liability Insurance.

    Section 12 :- Business Interruption

Apart from these the policy also covers against allied perils and fire attempted theft and theft through violent/forcible means, accidents, misfortunes, dishonesty/fraud by employees.

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