It takes a fraction of a second for fire to reduce everything you own to ashes, and ages for you to rebuild. This policy safeguards the contents in your household, due to the losses that can arise due to fire and other perils such as lightning, explosion or implosion, aircraft damage, impact damage from rail or road, vehicles or animals, riot, strike, malicious damage, storm, cyclone, tempest, hurricane, tornado, flood and inundation, earthquake, subsidence, landslide including rockslide, missile testing operations, leakage from automatic sprinkler installation and bush fire.

Exclusions:

• The policy excludes 5% of the claim amount for each and every claim arising out of Act of God perils.
• The policy excludes loss or damage due to terrorist activities.
• This section of the policy excludes cash, jewellery, valuables, livestock, motor vehicles and pedal cycles.

Burglary and robberies have now become too common for us to ignore. A burglary not only takes away your prized possessions, but also leaves you with a sense of insecurity. This policy provides you the peace of mind you seek, through offering coverage for your household property (excluding cash, jewellery, valuables) against housebreaking, larceny and theft.

Exclusions:

• Burglary and/or housebreaking where any member of the insured's family is the principal or accessories.
• This section of the policy excludes cash, stamps, jewellery, valuables, livestock, motor vehicles and pedal cycles.

Jewellery forms an integral part of our culture, may it be a wedding or a normal day, and you can see everybody donning various kind of jewellery. For most of us, it is also an asset, an investment that will pass on to the future generation. This section of the policy offers coverage for your jewellery and valuables* kept at your home or in specified Bank Lockers, against fire and allied perils, burglary and larceny. A Valuation Certificate would be required in case of the value of any individual item in this section, exceeds Rs 15,000.

*Valuables include silver items, gold coins, and expensive watches above Rs 10,000

Exclusions:

• On loss or damage caused to or from crackling, scratching or breakage of lens, glass, gramophone records or other items of fragile nature.
• On loss or damage caused to or from car except from a fully enclosed saloon car, having all doors, windows and other opening, securely locked and properly fastened.

Note: * Conditions apply.

This section provides coverage for cash at home against fire, burglary, theft and larceny. Any loss due to larceny shall be restricted to 50% of sum insured under this subsection.

Exclusion:

Theft of cash by any family members or relatives.