|Protection of assets against fire & allied perils and earthquake
|A.Buildings – upto Maximum Sum Insured of ₹50 lacs
B. Contents (excluding valuables) – upto Maximum Sum Insured of ₹25 lacs
Events covered include: fire, lightning, explosion/implosion, aircraft damage, impact damage from rail/road vehicle or animal, riot, strike, malicious damage, storm, cyclone, tempest, hurricane, tornado, flood and inundation, earthquake, subsidence and landslide including rockslide, missile testing operations, leakage from automatic sprinkler installations and bushfires.
There is an option of extension of coverage along with the above covers with an additional charge of premium. These extensions are optional and you can opt for these as per your requirement.
|Burglary, housebreaking and Theft
|Protection against the loss / damage to the contents or building of your premises by burglary and housebreaking. The contents may either be insured for a full 100% or First Loss Limits (25% or 40%). The sum insured value of contents should be on market value basis.
|Protection of valuables
|A. Jewellery / valuables - Protection against accidental loss or damage to your jewellery or precious items including jewellery kept in bank lockers. Our liability in respect of any one item in any one policy period will not individually or in the aggregate exceed the sub-limit of the sum assured set against such item in the schedule. The list of items covered along with their value needs to be shared. Valuation certificate will be required in case:
B. Portable computer – All risk excluding breakdown is covered for loss or damage to portable computer / laptop by fire, riot and strike, theft or accident, from any fortuitous cause, any time during the period of this insurance and within the limits as stated in the schedule
|Protection of electronic equipment
|A. Audio visual Equipment (electronic equipment) – All risk cover
B. Portable computer – All risk
|Protection of household Mechanical / electrical equipment
|Household Appliances – Breakdown
Domestic appliances like air conditioners, refrigerators can be covered against accidental electrical or mechanical breakdown
|Protection for You and Your family
|Accidental compensation (Personal accident) – Death / PTD / PPD
For working spouse, cover up to 60 times the monthly income, subject to max of 10 Lakh or 50% of sum insured for non-working spouse.
For children 1 up to 21 years of age: 25% of sum insured subject to max 2.5 Lakh.
For children 2 up to 21 years of age: 25% of sum insured subject to max 2.5 Lakh.
|Protection against Your liability
|A. Your legal liability as a Tenant - Tenants legal liability
You can provide cover up to amount specified in schedule if you are legally responsible as a tenant for:
B. Workman’s compensation – domestic employees
This section covers the liability towards your workmen under the Workmen compensation act, Fatal accidents act and Common law under this section. In the section, employees having wages up to ₹4,000 can be covered.
C. Public liability
We will compensate you for the claims arising out of the third parties bodily injury or property damage occurring in your premises. This is in accordance with Indian Law.
|Enhanced Protection covers
|A. Baggage – All risk