All in One Home Protector Policy

All in One Home Protector Policy

All in One Home Protector Policy offers protection to your home and your household assets. It is a one-stop solution for homeowners and tenants.

It offers coverage against natural calamities like fire, explosion, earthquake, flood, etc.
It offers coverage against manmade calamities like robbery, dacoity, riots, strike, etc.
The policy covers fine arts.
The policy covers personal liability worldwide.
The accidental damage is covered under burglary.
The policy gives an option to cover your pet.
The special features include coverage of contents kept with children living outside for the purpose of the study.

The policy offers coverage under 12 sections of which at least 3 should be opted by the policyholder.

Section 1: Fire and Allied Perils.

Section 2: Burglary & housebreaking including larceny or theft and other perils.

Section 3: All Risk.

Section 4: Fixed Glass and Sanitary Fittings.

Section 5: Electronic Equipment.

Section 6: Home Entertainment Equipment, portable computer Mobile Phones, and Pedal Cycle.

Section 7: Breakdown of Domestic Appliances.

Section 8: Personal Accident.

Section 9: Loan Payment Protection.

Section 10: Baggage.

Section 11: Liability Insurance.

Section 12: Increased Living Expenses.

General Exclusions

Damage as a consequence of war, invasion, the act of a foreign enemy, hostilities, civil war, rebellion, revolution, etc.

Any damage due to confiscation, commandeering, requisition or destruction by order of any government or lawfully constituted authority.

Any damage directly or indirectly caused by or contributed to or arising from ionizing radiation or contamination by radioactivity.

Depreciation and damage caused by wear and tear or gradual deterioration.

Terrorism is excluded unless specifically mentioned in the policy.

Any existing damage, injury, disease or illness occurring before cover commences under the policy.

For detailed coverage under different sections read policy documents.

Cancellation
The policy can be canceled by the company on grounds of fraud, moral hazard or misrepresentation or non-cooperation by sending 15 days' notice. In such an event, IFFCO-Tokio will return to the insured, except in case of fraud or illegality, the premium paid less the pro-rata portion thereof for the period the policy has been in force. Insured may also cancel this policy by sending 15 days written notice. The company will then allow a refund after retaining the premium based on specified rates.





https://www.iffcotokio.co.in/home-insurance/all-in-one-home-protector-policy