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Home Suvidha
Your home means everything
to you. It is one of your biggest assets that reflects not
only your dream but also a substantial investment of time
and money. Although you cannot guard it from all possible
risks, but nevertheless, you can always take steps to help
you tide over unexpected events.
A Complete Protector
Our Home Suvidha Insurance Policy gives complete protection
to your home against a wide range of risks and perils. It
is a simple Home Insurance Policy
wherein there are various categories of Sum Insured and you
may opt for the category most suitable to you depending upon
the extent of risk perceived and total value of your assets.
The Sum Insured under Section 1 & 2 represents the First
Loss limit which should be within 50% of the actual Market
Value of the property at risk, below which underinsurance
condition will be applicable. The other Sections are covered
on Full Value basis - Market Value for Section 5 and Reinstatement
Value for Section 3 & 6. Sections 5 and 6 are optional.
Either on both of them can be deleted from the cover taken,
in case they are not relevant to you.
Coverage Under Home Suvidha
- Fire and Allied Perils (Contents): Contents
of your premises are covered against fire, explosion, bursting/
overflowing of watertanks, riots, strike and malicious damage,
earthquake, flood, cyclone, landslide etc.
- Burglary and other Perils (Contents): Contents of your premises
are covered against housebreaking, burglary, robbery or dacoity
and also against impact damages by falling trees/electric
poles/lamp posts, breakage or collapse of television or radio
aerials/satellite dishes and damage by civic authorities in
the prevention of fire.
- Television/Video Equipment: This Section covers loss or damage
to your television/ video equipment against fire, theft, accidental
damage and breakdown.
- Personal Accident: This section covers you and your named
family members against accidental bodily injury leading to
death or disablement (either permanent total or permanent
partial).
- Fire and Allied Perils (Building): This Section covers the
residential building, if owned by you against perils mentioned
under the Fire and Allied Perils (Contents) Section.
- Personal Computer: This Section covers loss or damage to
your personal computer against fire, theft, accidental damage
and breakdown.
Who can apply for this Policy?
This Policy is suitable for you as a householder, whether you
are a landlord or a tenant, whether you reside in an independent
house or in a flat/apartment, whether the building is single
storied or is a high rise, since each of the alternatives above
would imply different risk exposures which can be covered under
this policy.
NOTE: This literature only spells out the salient features
of the cover, for further details kindly refer to your nearest
office.
Source: http://itgi.co.in/
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