This is flexible home insurance product, which can be customized for individual requirements. You can customize your package by picking and choosing from a basket of coverages to design a product that you feel suits your needs.

• Fire

  Benefits Includes

  • Explosion / Implosion
  • Aircraft Damage caused by aircraft
  • Riot, Strike, Malicious Damage cover
  • Damages due to Impact by rail / road vehicle or animal
  • Bursting and / or overflowing of water tanks, apparatus and pipes
  • Missile Testing operations
  • Leakage from Automatic Sprinkler Installations
  • Lightning
  • Loss caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
  • Destruction by subsidence of part of the site on which the property stands or landslide
  • Bush Fire

  Cover

  • Building
  • Contents
  • Rent for Alternative accomodation
    covers additional expenses on rent incurred by you in case of loss or damage to the premises caused by an insured peril rendering the premises unfit for occupation and forcing you to shift to an alternative accommodation for a maximum period of 30 days.
  • Impact damage by own vehicle

• Public Liability
  

  Benefits Includes
  It Covers your legal liability as a householder towards other persons (third parties) and your domestic servants.
  
  Cover
  Legal liabilities to public / workmen

• Burglary

  Benefits Includes
  It Provides automatic protection for newly purchased articles against fire and burglary up to 30days from the date of purchase.
  
  Cover
  Automatic insurance of new purchases

• Purchase Protection

  Benefits Includes
  It Provides automatic protection for newly purchased articles against fire and burglary up to 30days from the date of purchase.
  
  Cover
  Automatic insurance of new purchases



• Pedal Cycle

  Benefits Includes
  It covers your pedal cycle comprehensively against accidental damages. Additionally it also covers liability towards third party injury and/ or property damage up to Rs.10,000 only.
  
  Cover
  Accident, damage, theft to bicycles

• Plate Glass

  Benefits Includes
  Securely fixed plate glass (e.g. windows) is covered against accidental loss or damage resulting into breakage.
  
  Cover
  Damage to fixed glass

• Baggage

  Benefits Includes
  Your accompanied baggage is protected even while you travel. Any accidental loss or damage and theft of personal baggage during the travel is covered anywhere in India.
  
  Cover
  Loss of personal belongings during travel

• Audio Visual Appliance

  Benefits Includes
  It covers Fire, Burglary, Theft, Legal Liability, accidental damages and breakdowns associated with audio and audio visual equipment.
  
  Cover
  Breakdown of audio & audio visual equipments



• Domestic Appliance

  Benefits Includes
  It covers your Refrigerator against the risk of unforeseen and sudden mechanical and /or electrical breakdown.
  
  Cover
  Breakdown of domestic appliances

• Marine

  Benefits Includes
  In case you need to relocate to a different city or a different household in the same city, Home Secure will hold your possessions protected against loss or damage during transit in case of an accident to the carrying vehicle or if the entire goods are not delivered.
  
  Cover
  Transit cover for household goods

• Personal Accident

  Benefits Includes
  Home Secure provides Personal Accident cover to your entire family on account of death, permanent total or partial disablement and Medical expenses and Ambulance charges up to specified limits related to and arising out of accident.
  
  Cover
  Accidental Death / PTD / PPD

• Medical Expense

  Cover
  Hospital expenses due to accidents causing death / PTD

• Ambulance Charge

  Cover
  Ambulance charges due to accident

• Expenses for Temporary Resettlement

  Benefits Includes
  In case your home has been rendered uninhabitable due to fire, Home Secure covers the cost of packing and transportation (up to specified limits) of your household goods to an alternative residence.
  
  Cover
  Resettlement expenses in case rent for alternative accomodation becomes operative

• Money

  Benefits Includes
  Dispossession of money withdrawn from a Bank branch or Automated Teller Machine (ATM) on your way back home due to robbery or hold-up.
  
  Cover
  Loss of cash in transit from bank to home

Policy Will Not Cover

For complete details, please refer to the policy document.