There are lots of schemes available in home insurance under House Holders Insurance Policy. In this insurance policy coverage will be done under 10 sections where we can choose complete cover or separate cover. The coverage sections will vary from private sector to public sector insurance companies as per their sections. Every year House Holders Insurance Policy has to be renewed. You’re entitled to a 15 per cent discount on the premium if you take 5-6 sections on the optional sections and if you take more than seven sections, you will get 20 percent discount on the premium.
1. Basic Policy that is Fire Coverage has two subsections- in this one can cover the damage from fire and allied perils to the home and its contents. Particularly structural and other damage from fire, lightning, riots, explosion of gas from domestic appliances, natural calamities such as floods, earthquakes. But in this policy we can’t able to claim for jeweler and other valuables.
2. Cover for loss/damage due to theft excluding jewellery, gold and silver articles, securities, cash and television and bicycles.
3. Cover for “all risks” against loss or damage to jewellery and valuables.
4. Cover for damage or loss to delicate items like glass ware items.
5. Cover for accidental break down of electrical, electronic and mechanical things.
6. Cover for loss or damage to television sets, computers against all types of risk-fires and allied perils, theft and accidental break down.
7. Cover for loss or damage to a bicycle.
8. Cover for loss or damage to luggage while traveling in India.
9. Cover for personal accident
10. Cover your legal responsibility to a third party for personal injury or property damage.
There is an exclusive fire policy to recover the building and the contents against the danger of fire, floods, earthquake etc in addition to the house holder’s insurance policy. This policy may be taken for five to ten years and term of the policy is longer then the discount on the premium will available more.
1. Basic Policy that is Fire Coverage has two subsections- in this one can cover the damage from fire and allied perils to the home and its contents. Particularly structural and other damage from fire, lightning, riots, explosion of gas from domestic appliances, natural calamities such as floods, earthquakes. But in this policy we can’t able to claim for jeweler and other valuables.
2. Cover for loss/damage due to theft excluding jewellery, gold and silver articles, securities, cash and television and bicycles.
3. Cover for “all risks” against loss or damage to jewellery and valuables.
4. Cover for damage or loss to delicate items like glass ware items.
5. Cover for accidental break down of electrical, electronic and mechanical things.
6. Cover for loss or damage to television sets, computers against all types of risk-fires and allied perils, theft and accidental break down.
7. Cover for loss or damage to a bicycle.
8. Cover for loss or damage to luggage while traveling in India.
9. Cover for personal accident
10. Cover your legal responsibility to a third party for personal injury or property damage.
There is an exclusive fire policy to recover the building and the contents against the danger of fire, floods, earthquake etc in addition to the house holder’s insurance policy. This policy may be taken for five to ten years and term of the policy is longer then the discount on the premium will available more.
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