Salient Feature
Personal effects and household goods belonging to individual householders can be covered under this Insurance. It covers under single policy a number of risks.
Scope of Cover Section I: Fire & Allied Perils
a) Building
b) Contents
His covers loss of or damage to the building/contents by fire & allied perils, such as riot, strike, lightning, explosion, flood, cyclone, inundation earth quake etc. (for further details please contact nearest office)
Rate of Premium:
Rs. 0.50 per mille.
Section II: Burglary & Housebreaking including larceny and theft
This covers all contents in the premises against the above risks. The Sum Insured on contents under this section as well as Section I would be the same.
Rate of Premium:
Rs. 2.40 per mille.
Section III: All Risks
This covers loss or damage to jewellery & valuables caused by accident whilst anywhere in India. Recent invoice/receipt or valuation Certificate should be obtained for items valued at more than Rs.5000/- each.
Rate of Premium:
Rs.10.05 per mille.
Section IV: Plate Glass
This covers loss of or damage to fixed plate glass in the insured premises by accidental breakage.
