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National Home Insurance

This is a package policy specially designed to meet the insurance requirements of a householder by combining under a single policy, a number of our standard policies usually taken by householders.
Discount in premium is offered depending upon the number of sections of the policy, opted for, by the proposer.

The policy comprises of 10 sections as given here under

Section I - Fire & Allied Perils

A) Coverage for building
B) Covers contents of the dwelling belonging to the proposer and his/her family members permanently residing with him/her.

Allied Perils:

1. Fire, Lightening, Explosion of gas in domestic appliances
2. Bursting and overflowing of water tanks, apparatus or pipes.
3. Damage caused by Aircraft
4. Riot, Strike, Malicious or Terrorist Act
5. Earthquake, Fire and/or Shock, subsidence and Landslide (including Rockslide) damage
6. Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tomado or Cyclone.
7. Impact damage

Section II - Burglary & House Breaking including larceny and theft.
Covers contents of the dwelling against loss due to burglary, house breaking, larceny or theft.

Section III - All Risks (Jewellery & Valuables)
Covers loss or damage to your jewellery and valuables by accident or misfortune whilst kept, worn or carried anywhere in India subject to the value declared in the schedule.

Section IV - Plate Glass
Loss or damage to fixed plate glass in the insured premises by accidental breakage subject to limit of sum insured

Section V - Breakdown of Domestic appliances
Covers domestic appliances against unforeseen and sudden physical damage due to mechanical or electrical breakdown.
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