Best Insurance Plans and Quotes

LIC's Insurance Plans, SBI Life offers Life Insurance Policies, HDFC Life offers best life insurance plans, Insurance Plans- ICICI Prudential offers a wide array of insurance plans , life insurance policy plans in India with ICICI Bank, Reliance Life Insurance, ICICI Lombard™ Online, Compare Life Insurance - PolicyBazaar, Low Cost Health Insurance‎, Compare Term Life Plans‎, Health Insurance Plans, www.icicilombard.com , Buy Home Insurance, Home Insurance - Policy Details

Key Benefits

• Comprehensive cover available, which covers both structure and / or contents of your home
• Coverage up to 10 years for only structure, 5 years for only contents and 5 years for structure & content
• Cover against Fire and allied perils, Burglary & Theft and Optional cover for Terrorism and Additional expenses of rent for alternative accommodation.What is covered
• 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.

What is not covered

• 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.
• For more details, kindly refer to the Policy Wordings.
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• The home insurance policy insures the structure of your home for its reconstruction value (and not for market value). Reconstruction value is defined as the cost incurred to reconstruct the home if it is damaged. On the other hand, market value is a combination of cost of land, demand & supply scenario, etc.

  Home Safety Guidelines
 
Safeguard your Home against Burglary

Your home is definitely one of your most prized possession. It is the place you belong... a place you come back to... a place where you live happily with your loved ones. The most common incident that threatens your home's security is Burglary. There is no fool proof method to prevent it completely, but you can definitely take some steps to avoid it considerably.

Claim Process

• Provide relevant information, which includes your policy and other details regarding your claim. Consequently, your claim request is authenticated and is escalated to the company's claims department.
• The company's claims department validates and registers the request. The company appoints a surveyor within 48 hours.
• You will need to submit all the relevant documents to the surveyor. The surveyor submits the Final Survey Report (FSR) along with the documents within 7 days.
• On receipt of documents, the claims department processes the claim within 7 days.

 FAQs
General Cover Premium Claims
How can you renew your home insurance policy?
What are the losses/ perils covered under this policy?
What is the procedure for assessing the value of my home structure and its contents?
I live on rent, why would I require insurance?
I live in a building insured by my society. Would I need to take additional Insurance?
Is my home insured if my wife uses a part of it (room) for conducting coaching classes?
What are the exclusions of this policy?
What if I sell the property during the insured period?
If three people share an apartment can each one take a separate home insurance policy?
What are the exceptions against cover within the purview of the Householder's Insurance Policy?
How do we get the valuation done of our property?
On what basis are the structure and contents insured?
How do you differentiate between riots and terrorism cover in case of Home policy?