Home Insurance FAQ’s

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Home insurance covers natural and man-made calamities. Please check policy terms and conditions before selecting your policy.

  • Fire
  • Lightening
  • Explosion/Implosion
  • Aircraft Damage
  • Impact Damage
  • Riot, Strike, Malicious and Terrorism Damage
  • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
  • Subsidence and Landslide including Rockslide
  • Bursting and/or overflowing of water tanks, apparatus and pipes
  • Missile Testing Operations
  • Leakage from Automatic Sprinkler Installation
  • Bush Fire
  • Earthquake
  • Man-made calamities
  • Burglary and Theft
  • Cover for Terrorism
  • Optional Cover for “Additional rent for Alternate Accommodation"

The insured can cancel the policy and take the premium back for the unutilised period on a prorate/short period basis.

Most insurance companies have an option to cover/insured only the contents of your home like the ones mentioned below:

  • Household appliances
  • Jewellery
  • Furniture and fixtures
  • Personal items against fire and allied perils
To ensure that there is no financial impact in case of a loss, the tenant ideally needs to ensure the contents of their respective homes.

The insurance that your society provides may offer the owner/tenant a limited cover and generally this includes only common areas like structure, lifts, generator rooms, club houses etc and not contents of the individual homes. One should consider home content insurance cover for your belongings if the building structure of your house is insured by the society.

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