Home Insurance- Content Protection

Ever wondered what would happen if there's a break-in at your home and all your valuables including your LED TV, diamond set, etc. gets stolen? Re-buying all this stuff could cost you a fortune

Thankfully, content insurance is there to cover such a loss. So, whether you own a house or stay at a rented one, all your personal property including jewellery, furniture and electrical goods are protected against risks such as fire, theft, flood, etc.

Here is an illustration of the coverage that you can opt for



Premiums mentioned above are only Indicative and no binding. The actual premium would be as per the quote creation process and is likely to vary depending upon the actual exposure details of the customer. Coverage of machinery breakdown is applicable for electronic and electrical appliances only.



Advantages of Buying Content Insurance
We provide coverage against risks, perils and unforeseen incidents such as:

Coverage for your expensive electronic items such as TV AC Washing machine Fridge Computer and other electrical equipment

Protection against damage from short circuits and mechanical breakdown

Protection against accidental breakage

Protection against breakage of fine glass fixtures or fixed plate glass

Insurance for your gold, diamond sets and other jewellery against theft and loss. Chain snatching is covered even outside your home

Protection against theft, loss or burglary

Coverage against personal accident inside the home for self and spouse

Our Comprehensive House Insurance Policy safeguards all your valuables and provides the benefits of several different policies in one. Buy it online now

What does this policy cover
We've tried to cover all the basic elements in our home insurance policy, so if your home is damaged due to any of the following reasons, we have it covered

Protection of content against fire, flood, earthquake, and lightning

Domestic Mechanical, Electrical, and Electronic appliances

Jewellery and valuables against accident or misfortune

Burglary and House Breaking

Personal Accident coverage for earning member and spouse

Television set as well as accessories such as DVD and VCR

Accidental breakage of fixed plate glass

What does this policy not cover
Although we'd like your home insurance to cover all types of situations, it isn't possible. For an exhaustive understanding of the exclusions, kindly refer the policy wordings. Some of the exclusions in our home insurance policy area

Fire and allied perils
Damage caused by war, invasion etc.

Destruction caused by due to volcanic eruptions

Radioactive toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

Loss, destruction or damage to bullion or unset precious stones or any curios or works of art of an amount exceeding Rs. 10,000/-manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the policy.

Loss, destruction or damage caused to the insured property by pollution or contamination

Jewellery and valuables
Cracking, scratching or breakage of valuables or glass during transit
Where any item insured hereunder consists of articles in pair or set the

Company's liability in respect thereof shall not exceed the value of any article which may be lost or damaged without reference to any special value which such article may have as part of such pair or set.

Domestic Mechanical Electrical, and Electronic Appliances
Willful act or gross negligence of the insured

Faults existing at the time of commencement of the policy

Any fault or defect for which the manufacturer or supplier of the damaged item is responsible

Television set
To external antenna or fittings by theft unless the Television Apparatus itself is stolen at the same time

Caused by or arising out of or traceable to erection, repairing or dismantling of the Television Apparatus

For which the manufacturer or supplier of the Television Apparatus is responsible

Fixed Plate Glass
Breakage of glass not completely and securely fixed

Breakage or damage during removal, alterations and/or repairs

Personal Accident
Death or disablement resulting directly or indirectly caused by childbirth or pregnancy

from intentional self-injury, suicide or attempted suicide,

whilst under the influence of intoxicating liquor or drugs

whilst engaging in aviation or ballooning whilst mounting into, dismounting from or travelling in any aircraft or balloon other than as a passenger

directly or indirectly caused by venereal diseases, AIDS or insanity

arising or resulting from the Insured Person committing any breach of law with criminal intent.

Burglary and Housebreaking
Any burglary and/or housebreaking where the insured persons family member is responsible or involved

To livestock, motor vehicles and pedal cycles