A house becomes a home only when it has your most treasured possessions and your family in it. It is but natural to look for protection for all of these.

For the first time ever, Chola Total Home Protect policy offers comprehensive coverage for the building structure, the contents inside the house and also the family.

Triple Benefit Chola Total Home Protect covers
Cover for Building Structure
Cover for Contents
Cover for People

Triple Benefit Chola Total Home Protect covers:

Building	Contents	People
Structure [for own house only]	Fire, burglary, earthquake, terrorism hazards Household appliances-electrical & mechanical breakdown Jewellery & valuables Plate glass insurance Purchase protection	Family floater accidental hospitalization Additional rent for alternate accommodation [for own house only] Personal Accident Public Liability Workmen's Compensation

Cover for Building Structure

This covers the building against loss / damage arising from:

• Fire, lightning, explosions, implosions, riots, strike or malicious acts
• Earthquakes, shock, subsidence, landslide
• Flood, inundation, storm, tempest, typhoon, hurricane, tornado, cyclone
• Missile testing operations
• Terrorism

Cover for Contents

The contents of the house are covered against loss / damage arising from

• Fire, lightning, burglary, explosions, implosions, riots, strike or malicious acts
• Earthquakes, shock, subsidence, landslide
• Flood, inundation, storm, tempest, typhoon, hurricane, tornado, cyclone
• Missile testing operations
• Terrorism

In addition to the Contents Cover, the following additional covers are available:

• Domestic Electrical Appliances (TV, washing machine, refrigerator, microwave, AC, etc.) covered against electrical breakdown
• Jewellery and Valuables covered against burglary, chain snatching, damage by fire, earthquake and floods. No valuation certificate required at proposal stage
• Plate Glass covered against external damage
• Baggage - Loss while travelling in India compensated against market value of items, subject to Sum Insured amount.
• Purchase Protection Cover - New domestic appliances purchased during policy duration automatically covered for a period of 30 days (from purchase date) against damage by fire, earthquake, floods, etc. This is over and above the Contents Cover

Cover for People

All the individuals who are indoors are protected against unfortunate events.

Additional Rent for Alternate Accommodation - If own house (insured with us) is damaged, undergoing repairs and you stay at an alternate rented accommodation, we bear additional rent payable towards temporary rented accommodation.

Family Floater Accident Hospitalization Cover - To handle situations where immediate family (you, spouse and/or two kids) has accidental injury requiring hospitalization. Covers medical expenses that arise out of the unfortunate incident.

Personal Accident Cover - Fixed amount offered in case of an unfortunate accident to immediate family (you, spouse and/or two kids) resulting either in fatality or permanent disablement.

Public Liability - Covers legal liability towards a third person that arises out of an activity that may have resulted in damage/injury/death to third person or to third person's property.

Workmen's Compensation - In case domestic help has got injured or has fallen ill and you have been found legally liable, (under Workmen's Compensation Act) this covers liability that you have been instructed to pay.

Please refer to the Policy Wordings for the complete coverage, exclusions and
terms and conditions of the policy.

The following are some salient exclusions under the policy:

Loss, destruction or damage to bullion or unset precious stones, any curios or works of art exceeding RS10,000, manuscripts, plans, drawings, securities, documents of any kind, stamps, coins or paper money, cheques, business books, computer systems records, explosives.

Loss / damage to livestock, motor vehicles & cycles.

Loss / damage to articles of consumable nature.

Damage for which manufacturer or supplier of property is responsible under Maintenance Agreement.

Gradually developing flaws, defects, cracks or partial fractures in any part not necessitating immediate stoppage, although at some future time repair or replacement of the parts affected may be necessary.

Deterioration of or wearing away or wear out of any item caused by or naturally resulting from normal use or exposure.

Damage caused by or arising out of wilful act or wilful gross negligence of Insured or his employee.

Damage due to faults existing at the time of commencement of this Insurance and not known to the Insured, regardless of whether such faults or defects were known to the Company or not.

Loss or damage whilst being conveyed by any carrier under contract of affreightment.

Embossed, silvered, lettered, ornamental, curved or any glass whatsoever, other than plain and of ordinary glazing quality.

Please refer to the Policy Wordings for the complete coverage, exclusions and
terms and conditions of the policy.