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What is Complete Home Protect Policy

What is Complete Home Protect Policy?

Your home is your safe place – and your most prized possession. It provides you and your family a peaceful haven to live life and make memories.

Therefore, you need to do your best to protect it from life’s uncertainties, such as:

  • Natural calamities like floods, earthquakes and cyclones that cause great damage to your abode. In 2021, India witnessed many such calamities, including Cyclone Tauktae, Uttarakhand flood and Assam earthquake.
  • Electric fires and other man-made hazards that cause equally distressing damage to your home building as well as its contents.
  • Burglary (or attempt of burglary), due to which you lose personal belongings that may be expensive to replace/repair.

That’s where a reliable home insurance policy comes into the picture. It covers your house against such calamities and ‘Acts of God’, so that you can rest easy knowing you’re protected.

Complete Home Protect is a home insurance policy that we’ve designed, to offer you complete peace of mind. Under this policy:

  • We insure both owned and rented homes.
  • We cover your residential building (building) and also the appliances, furniture, fixtures and jewellery within your home

That means we’ve got your home covered – both inside and out

Why should you buy our Complete Home Protect Policy?

Here’s why you should insure your home under this policy:

Damages to the home building
Our property insurance covers your dwelling from fire, natural calamities and accidental damages.
Provision to include your
personal belongings
In case of burglary or other unforeseen event, we compensate the loss of your appliances, furniture and jewellery.
Water logging-related damages
Our property insurance policy covers water logging and resultant damages to your residence.
Support for additional living
If your home is damaged due to an accident and becomes unfit for living, we cover alternate accommodation expenses.
Get options for long-term
You can insure your home for as short as a year or as long as 5 years. No more stress of renewing the policy frequently or going through a waiting period every year.
Experience easy claim
Since we have an in-house claims team, you can rest assured that any claim you make under this policy will be processed swiftly.
Buy Home Insurance Online from ICICI Lombard >

Why should you buy home insurance online from ICICI Lombard?

We have your back at your time of need!

  • PAN India survey network
  • Surveyor assignment within 48 hours
  • In-house claims settlement
  • Extra covers for robust protection

Our Complete Home Protect Policy is designed to offer extensive protection at an affordable rate. You can stay worry free with our long-term cover options, which also come with the benefit of no waiting period every year. Besides, we provide fast claims service, with a dedicated customer support team that handles claim-related queries. Once you’ve insured your home with our property insurance policy, you can put your claims-related concerns at rest.

Moreover, we also have the provision to add more than one insured member in the policy. For married couples taking a home together, this is beneficial at the time of applying for a loan. It also gives both co-insured members the legal right to make a claim in case of loss.

What is covered by ICICI Lombard Complete Home Protect Policy?

Here’s what’s covered under our policy:

What’s included:

  • Fire, explosion/implosion
  • Impact damage caused due to rail/road vehicle or animal by direct contact
  • Riot, malicious damage and terrorism
  • Bursting and/or overflowing of water tanks, apparatus and pipes
  • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood, inundation and earthquake

What’s not included:

  • War, invasion, act of foreign enemy hostilities or war-like operations
  • Radioactive substances, toxic, explosives
  • Breach of law with criminal intent
  • Any kind of willful negligence or misconduct
This list contains major inclusions & exclusions. For the full list, please read our policy document.
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Get answers to common questions about our home insurance policy

Who can buy Complete Home Protect Policy?

Both home owners and tenants can opt for Complete Home Protect Policy. While the owner can go for both building and content cover, tenants can go for content cover to protect their belongings.

What type of dwellings can be covered under Complete Home Protect Policy?

We cover flats, individual apartments, row houses and bungalows under Complete Home Protect Policy.

What is the procedure for assessing the value of my home building and its contents?

The value of your home building is assessed as per the area of your home multiplied by the rate of construction per. sq. feet, as on the date of taking the policy. For example, if your home is 1000 sq. feet and the construction rate per sq. feet is ₹800/-, then the sum insured for your home’s building is ₹8,00,000. This excludes land cost. On the other hand, the contents are assessed on the market value of the items. This means if there were a loss, the claim would be paid on the value of purchasing a similar new item, less depreciation for the usage.

I live in a building insured by my society. Would I need to take a separate home insurance policy?

The insurance that your society provides may offer you a limited cover and that generally includes only overall building of the society including common areas. You could consider home content insurance cover for your belongings and betterments done within your house.

Does this policy cover the home building for its market value?

No, the home structure is covered on the basis of re-instatement value. In case of damaged due to any insured event, you will get the costs required for re-instating or replacing the property.

Can the building be covered in a building that is 45 years old?

Yes. We offer cover for buildings under 50 years old.

What is covered under valuables?

Items such as jewellery, silverware, paintings, works of art, antique items, curios and items of similar nature can be covered under valuables.

Is short circuit covered under the policy?

We cover loss or damage to the insured building or contents due to fire arising from a short circuit. However, breakdown of equipment due to short circuit is not covered under the base policy; you can opt for coverage against section 3 (mechanical/electrical breakdown).

If I work out of my home, is my inventory and business property also covered?

The home insurance product is only for residential property only.

Can I go for add-on covers in my policy?

After you enter your details and take a quote on our website, you can choose the add-ons that you want in the policy (at additional premium).

What are the modes of premium payment?

You can choose between the below payment options to pay your home insurance premium online:
  • Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
  • Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
  • Debit Card – Just enter your bank’s debit card details to pay your insurance premium directly.
  • UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
  • EMI - Use the credit/debit card EMI facility to pay your premium in instalments.

What do I do in case of a home insurance claim?

In case of a claim:
  • Call us on 1800 2666, and share your policy details
  • We authenticate the claim request basis the information & documents you share
  • Our surveyor will be onsite within 48 hours
  • The surveyor will submit the Final Survey Report (FSR), along with the documents, within 7 days.
  • We process the claim within 7 days, provided we have received all the documents
  • We send out a letter to you, with the approved settlement amount & discharge voucher
  • We process the payment through NEFT on receiving the signed voucher

What are the documents required for filing a claim?

The documents required for filing a claim are:
  • Duly filled and signed claim form
  • Policy copy
  • FIR (wherever applicable)
  • Investigation Report by the police (NTR)
  • Invoices of the suppliers for replacement
  • Final Bill of Repairers
  • Invoices of owned articles, if required

What do I do in case of a burglary claim?

In case of a burglary claim, file an FIR and intimate us immediately so that we can begin the claims process. You need to submit the receipt of a copy of the first information report (FIR) to us.

What is the policy start date for home insurance?

The policy start date for home insurance will be 7 days from the online transaction date.

What is the maximum period that I can cover my home for under this policy?

You can cover your home for a maximum period of 5 years under this policy.

What are the exclusions of this policy?

The documents required for filing a claim are:
  • This policy comes with the below-mentioned exclusions:
  • War, invasion, act of foreign enemy hostilities or war-like operations
  • Breach of law with criminal intent
  • Radioactive substances, toxic, explosives
  • Any kind of wilful negligence or misconduct

For the full list of inclusions/exclusions, please read our Home Protect Policy Wordings

What if I sell the property during the insured period?

Our home insurance policy is non-transferrable. If you are going to sell the property, you can cancel the policy and we will refund the premium on a pro-rata basis for the balance period.

If three people share an apartment, can each one take a separate home insurance policy?

Yes, for their part of the personal belongings.

How do we get the valuation of our property done?

Contents such as household appliances, furniture, jewellery, personal effects and miscellaneous items are covered on market value. So while insuring your contents, we consider the cost of buying a similar new item. We also deduct an appropriate depreciation on the basis of the age of the item.
Product Product code UIN No.
Complete Home Protect 4119 IRDAN115RP0013V01202122

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