Home Insurance

About Home Insurance Policy

A house is more than just a place of residence. It is an oasis of peace and convenience for the members living in it. However, houses are exposed to several types of natural as well as man-made risks. These risks can cause substantial damages which can result in tremendous financial losses.
For instance, The 2018 Kerala floods caused destruction worth Rs. 40,000 crore. It has also been reported that 59% of India's area is vulnerable to earthquakes and 12% of its area is prone to floods. The cyclone Amphan which effected West Bengal and Orissa is estimated to have caused losses worth an astounding Rs. 1 lakh crore.
Apart from this, man-made perils such as burglaries could result in losses due to theft of electrical appliances. One may also lose important documents.
If any of these events occur, you could suffer financial losses worth lakhs. However, you can instead protect your family and yourself with Bharti AXA's Smart Plan Householder's Package Policy.

Inclusions & Exclusions under Home Insurance Policy

What Is Covered?

Fire and allied perils including earthquake Cover for Buildings & Home Contents.

Breakdown of Domestic Appliance.

Compensation Against Loss of Baggage

Cover against legal liability to domestic servants and third parties. Etc.

Terrorism(-If opted)

What Is Not Covered

Loss or Damage to insured property caused by war or war like operations

Willful act or negligence of the insured

Cracking, scratching or breakage of lens in respect of articles of brittle and fragile
nature