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ICICI Lombard Home Insurance
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Introduction
It is imperative that you secure your home from natural and man-made catastrophes. Our Home Insurance Plan ensures you peace of mind by protecting the structure and the contents of your home.
Policy Coverage
You can choose to buy insurance for only the building (structure) of your home, or only the contents (belongings) or both.
The policy covers the losses to the structure and contents of your home due to any natural and man made calamities.
The calamities covered are:
• Fire
• Riot, strike & malicious damage
• Explosion & implosion
• Earthquake
• Lightning
• Storm, cyclone, tempest, tornado, hurricane, flood & inundation
• Damage due to impact by vehicles
• Missile testing operation
• Subsidence, landslides and rockslides
• Leakage from automatic Sprinkler installations
• Aircraft damage
• Bursting and/or overflowing of water tanks, apparatus and pipes
Burglary cover (only for contents):
The contents of your home are also covered against loss due to burglary or an attempted burglary. It also covers loss of jewellery, silver articles and precious stones kept under lock and key, up to 25% of the total content sum insured or Rs. 1 Lac, whichever is lower.
Optional covers:
Terrorism cover -
Covers any damages and losses to the structure and / or contents of your home due to acts of terrorism.
Additional expenses of rent for alternative accommodation - If you are forced to shift into an alternative accommodation because your home is destroyed or damaged by any insured peril, the policy will cover you against the additional rent.
The maximum coverage is up to Rs. 1,00,000 for up to 6 months. The cover is available only if you are insuring the structure of your home.
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