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Universal Sompo Sampoorna Grih Suraksha Insurance

Universal Sompo Sampoorna Grih Suraksha Insurance protects your home from burglary, theft, unexpected calamities.
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Universal Sompo‟s “Sampoorna Grih Suraksha Policy ” is devised to cater to the various exposures of a household and a home owner .This policy in one single document provides for various insurance coverages which You have an option to choose from as per Your own risk perception .The policy offers simplicity and convenience of purchase and offers coverage on First Loss Basis You can avail the benefit of attractive Section discounts on choosing more than 4 Sections of coverage.


  • Covers buildings other than "kutcha" construction type only.
  • Contents excluding money and valuables are covered
  • The coverage against various perils
    • Fire
    • Lightning
    • Explosion / Implosion
    • Aircraft Damage
    • Riot, Strike, Malicious and Terrorism Damage
    • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
    • Impact Damage
    • Subsidence and Landslide including rock slide
    • Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
    • Missile Testing operations
    • Leakage from Automatic Sprinkler Installations
    • Bush Fire
    • Earthquake (On payment of additional Premium)
    • Terrorism ( On payment of additional premium)


  • Damage caused by pressure waves.
  • Destruction or damage caused to the property by its own fermentation, natural heating or spontaneous combustion or its undergoing heating or drying Process.
  • Burning of property Insured by order of any Public Authority
  • Explosion/ implosion losses to boilers (other than domestic boilers), economizers or other vessels, machinery or apparatus (in which steam is generated) including their contents .
  • Destruction or damage to property caused by centrifugal forces.
  • Damage by vehicle/animals belonging to or owned by You or Your Family.
  • Damage caused by normal cracking, settlement or bedding of structures, settlement or movement of made up ground, coastal or river erosion, defective design or workmanship or use of defective material, demolition, construction, structural alteration or repair of any property or ground work or excavation.
  • Damage caused by repairs or alteration to Your Home, repairs, removal or extension of the sprinkler installation, defects in construction known to you.
  • Damage caused to the Insured property by Pollution or contamination

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025