• The policy covers losses to the structure and content of your home, that might occur due to a number of natural and/or man-made calamities.

  The calamities covered are

  • Fire
  • Lightning
  • Impact damage
  • Aircraft damage
  • Explosion / implosion
  • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
  • Riots, strike, malicious and terrorism damage
  • Subsidence and landslide including rockslide
  • Bursting and/or overflowing of water tanks, apparatus and pipes
  • Missile testing operations
  • Leakage from automatic sprinkler installations
  • Bush fire
  • Earthquake
  • The content of your home is also covered against loss due to burglary or an attempted burglary / housebreaking including theft. It also covers loss of jewellery, silver articles and precious stones kept under lock and key, up to 25% of the total content sum insured or `1 lakh, whichever is lower.
• In addition to the basic policy coverage, you can opt for useful add-on covers that add to your protection

  Additional expenses of rent for alternative accommodation:

  • If you are forced to shift into an alternative accommodation because your home is destroyed or damaged by any insured peril, the policy will cover your additional rent expenses.
  • The maximum coverage is upto ` 1 lakh, for upto 6 months. This cover is available only if you are insuring the structure of your home.

It’s always a good idea to be aware of what is excluded from your policy; so make sure you read the Policy Wordings