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Flat/Villa Insurance

home_insurance1) All Risk policy for structure as well as contents
2) First time ever – Agreed Value for Flats / Apartments (also regular indemnity & reinstatement basis covers available for residential structures)
3) First time ever – New for Old coverage for contents up to age 5 years
4) No list of contents required for sum insured above Rs.5 Lacs
5) Waiver of Under Insurance
6) Inbuilt cover of Rent for alternate accommodation
7) Inbuilt cover for Earthquake & Terrorism
8) Escalation provision up to 25% on RIV and Indemnity basis
9) Jewelry covered on all risks basis – no valuation report required (up to 2.5 lac – in Gold; 5 lac in
Diamond; up to 10 lac in platinum)
10) Coverage for Curios, Works of Art & Paintings
11) No compulsory deductibles
12) Discount on premium if opted for deductibles on Structure, Contents as well as jewelry
13) Coverage for Portable Equipment like – Laptops, Smart Phones, Cameras etc.
14) Option of World Wide cover for Jewelry & Portable Equipment on additional premium
15) Automatic reinstatement of sum insured for Contents
16) Pedal cycle also covered in Contents
17) Long term option available up to 3 years & discounts – for structures as well as contents
18) Mid-term revision in Sum Insured is allowed (increase or decrease) even for long-term policies
19) 3 optional plans – Gold, Diamond & Platinum as per structure & contents cover
20) Flexible plans to cover – Building only or Contents only or both.
21) 8 unique Add-on covers also available – e.g. Dog Insurance; Temporary Resettlement Cover etc.