Home Insurance

  • Buy Home Insurance Policy in India

It’s a dream to own a house. It is a priceless asset and you would do everything to protect it against any natural and man-made threats. Home insurance or House Insurance is wise and easy option to protect your any such perils. Home Insurance policy secures the structure and/or contents of your home against unforeseen calamities. Damage to your home can leave you homeless or harm your savings as paying for the repairs will be highly expensive. Hence, availing a Home Insurance policy is a wise thing to do.

Insurance Manager provides the best Home Insurance plan. We understand your requirement and offer you the comprehensive home insurance cover suiting the individual need.

Key Benefits

  • Comprehensive cover available, which covers both structure and / or contents of your home
  • Coverage up to 5 years for structure and contents.
  • Cover against Fire and allied perils, Burglary & Theft and Optional cover for Terrorism and Additional expenses of rent for alternative accommodation.
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Scope of cover

You can choose to buy insurance for only the building (structure) of your home, or only the contents (belongings) or both.

The policy covers the losses to the structure and contents of your home due to any natural and man-made calamities.

The calamities covered are:

  • Fire
  • Lightning
  • Impact Damage
  • Aircraft damage
  • Explosion / implosion
  • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
  • Riot, 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

Burglary cover and theft cover (only for contents): The contents of your home are also covered against loss due to burglary or theft or an attempted burglary. 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 Rs. 1 Lakh, whichever is lower.

Optional covers:

Terrorism Cover: Covers any damages and losses to the structure and / or contents of your home due to acts of terrorism.

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 you against the additional rent.

The maximum coverage is up to Rs. 1 Lakh for up to 6 months. This cover is available only if you are insuring the structure of your home.

Major Exclusions

  • Willful destruction of property.
  • Loss, damage and destruction caused by war, wear and tear etc.
  • Losses if your home has been unoccupied for more than 30 days, without prior notice to the company.
  • Cash, bullion, painting, works of art and antiques.

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