This Section covers building/s (i.e. the structure wherein your home located) including fixtures, fittings and renovations against Fire and Allied perils including earthquake. This further covers the following against Fire and Allied perils including earthquake.

(a) Underground services within the building - drain, sewer, water, electricity cable, drain inspection covers

(b) Capital additions, alterations and improvements to the building (Not exceeding 10% Original Sum Insured of Section I (Building, fixtures, fittings and renovation & Underground services)

(c) Tenant fixtures - subject to removal upon transfer of right of occupation

(d) Loss or damage to Locks and Keys due to Fire and Allied perils including earthquake.

Further to the above, this Section also provides for reimbursement of specific expenses incurred on Fire Extinguishing expenses following break out of fire due to Fire and Allied perils including earthquake.

This Section is also extended to cover terrorism, if opted by you and specified in the Schedule to the Policy.

This Section covers home contents and appliances being property for domestic use in your home including items of such property for which you are accountable for loss or damage due to -

a. Fire and Allied perils including earthquake,

b. Burglary, housebreaking, hold-up,

c. Terrorism at your option.

Further to the above, this Section also covers the domestic appliances while contained or fixed in your home against loss or damage due to unforeseen and sudden physical damage due to mechanical and/or electrical breakdown.

Valuables: This Section covers valuables owned by you and contained in you home and/or worn by you and/or members of your family permanently living with you against all risk cover of -

i. Fire and Allied perils including earthquake,

ii. Burglary, housebreaking, hold-up including theft,

iii. Robbery, waylaying, snatching away.

Coverage under this Sub-section shall extend throughout India.

Fixed Plate Glass and Sanitary ware:

This Sub-section covers fixed glass and sanitary ware (including fixed mirrors and glass tops of furniture) owned by you and contained in your home against loss or damage due to Fire and Allied perils including earthquake as well as accidental sudden loss or damage.

Coverage under this Sub-section is limited to the Sum Insured as per plan opted.

This Section is also extended to cover terrorism, if opted by you and specified in the Schedule to this Policy.

Additional Benefits under Section II

i. Automatic inclusion addition - newly purchased upto 10% of the Sum Insured under Home Contents:

ii. Loss of documents - Title Deeds:

iii. Loss of documents - Passport:

iv. House-hold Removal:

v. Removal of contents and appliances from the present building to a new building:

This Section provides for compensation to you/your family member (i.e. you, your spouse and two dependant children upto the age of 23 years) towards bodily injury, as a result of an accident.

It also provides for reimbursement, in the event of the death of the Insured Person, of expenses incurred for transportation of Insured Person's dead body to his /her place of residence

In the event of one's death or permanent total disablement, due to accident, the Company shall pay as education grant for your dependent children as below

This Section provides cover against loss of rent if the home structure or any part thereof covered under the Policy is unfit for occupation in consequence of its destruction or damage by Fire and Allied perils including earthquake. The amount payable under this Section shall not exceed such portion of the Sum Insured on rent as the period necessary for reinstatement bears to the term of the Rent Insured.

The unsuitability for occupation of the building as a result of the operation of the peril covered by the Policy should be certified by the Municipal Authority.

If the home is damaged due to Fire and Allied perils including earthquake for which a claim is admissible under Section I of the Policy then the Policy provides for payment of expenses of additional rent for alternative accommodation that you avail of during the Policy period. This benefit is subject to the Sum Insured limited to the type of plan selected by you.

This Section provides for compensation for the accidental death or theft of Pedigree Pets specified in the Schedule to the Policy.

The coverage is limited to three pets and upto the limits of Sum Insured mentioned in the Schedule to the Policy.

This Section covers loss of, destruction or damage to personal baggage belonging to you and/or your family members who are permanently residing with you due to accident or misfortune during any journey undertaken in India whilst on tour on holidays outside the city, town or municipal limits of the place where your house is situated.

Baggage shall mean and include personal articles and belongings necessary for the journey undertaken and articles or things acquired during the journey.

The coverage is limited to tours within Indian Territory only, excluding the city of your domicile.

Sub-section VIII (a)

Towards Employees (domestic servants):

This Sub-section covers your legal liability to domestic servants under Fatal Accidents Act, 1855/ Workmen's Compensation Act, 1923 or any amendments thereto and in Common Law to pay compensation in respect of accidental death or injury sustained during the currency of the Policy arising out of and in the course of employment in India with you. In addition to compensation as stated above, the Company will also pay claimant's cost, fees and expenses and defence costs incurred with its consent in defending a claim.

Sub-section VIII (b)

Towards Third Parties:

This Sub-section covers your legal liability to pay compensation including claimant's costs, fees and expenses incurred with the consent of the Company, anywhere in India, in accordance with Indian Law. The liability of the Company under this Sub-section in respect of compensation and litigation expenses is limited the sum specified in the Schedule of the Policy for any one accident and for all accidents during any one period of insurance.

Excess

Settlement of claims under the Policy is subject to the following excess in respect of each and every claim for loss or damage admitted under the Policy.

Electrical / mechanical breakdown of electronic appliances -

• In case of PCs/Laptops, 5% of claim amount subject to a minimum of Rs.2, 500/-
• Other than PCs / Laptops Rs. 1,000/-

Pre-Underwritten Products:

Underwritten Products: