1. Property and related risks: Property and Content (Excluding Money and Valuables) The section covers the Insured in respect of loss or of damage to the Property and contents due to:
   1. Fire, Lightning
   2. Explosion or Implosion.
   3. Aircraft, other aerial or space devices and articles dropped therefrom
   4. Riot, Strike or Malicious Act,
   5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
   6. Impact Damage
   7. Earthquake (Fire and Shock), Subsidence and Landslide including Rockslide
   8. Bursting and/or overflowing of water tanks, apparatus or pipes.
   9. Missile testing operation
   10. Leakage form Automatic Sprinkler Installations
   11. Bush Fire
   12. Impact damages: Loss of or visible physical damage or destruction caused to the property insured due to impact by any Rail/ Road vehicle or animal by direct contact not belonging to or owned by
       1. The Insured or any occupier of the premises or
       2. Their employees while acting in the course of their employment.
2. Burglary and Housebreaking for Contents excluding Money and Valuables The Company covers the Insured in respect of loss or damage to the contents whilst contained in the insured premises stated in the schedule by Burglary and/or Housebreaking.
3. Jewellery and Other precious items(optional): Covers the Insured or any member of the family as declared in the proposal in respect of loss of or damage to jewellery by Accident or Misfortune whilst anywhere in India
4. Temporary Relocation:Covers the insured, in respect of Expenses incurred for relocating to a Temporary Premises necessitated due to damage of the insured property.
5. Total Permanent Relocation:Covers the insured towards Cost of Permanent Relocation arising out of Acquisition of the property insured together with the underlying land for Specified Purposes by the operation of a government order
6. Home Utility Appliances:Covers the Insured against unforeseen and/or sudden physical damage caused by and/or solely due to Mechanical and/or Electrical breakdown and/or Accidental Damage of Home Utility Appliances, belonging to the insured whilst contained in or fixed at the Property insured
7. Home Appliances:Covers the Insured in respect of total or substantial loss or damage caused by and/or solely due to Mechanical breakdown of Home Appliances detailed in the schedule, belonging to the insured, whilst contained in or fixed at the Property insured
8. Plate Glass:(Covers the Insured in respect of any Damage to fixed Plate Glass specified in the Schedule in the insured Property caused by accidental breakage
9. Personal Baggage:Covers the Insured in respect of loss of or damage to the Personal Baggage of the Insured and / or such other members of his family, anywhere in India, lost, destroyed or damaged by accident or misfortune
10. Garden:This section compensates the Insured against the total loss or destruction of any Garden maintained, cultivated, developed or nurtured by the Insured within the insured Property caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation, Subsidence, Landslide or Rockslide
11. Pet Animal:This section compensates the Insured for the makes loss on account of death of a pedigreed pet animal belonging to the Insured, whilst in the insured Property or the immediate neighbourhood
12. Accident and related risks
13. Personal Accident cover : Only in case of permanent total disablement or death
14. Costs of Hospitalisation arising out of an accident
15. Education benefit: Benefit for "loss of earning capability Covers
    1. The legal heirs of the Insured towards costs incurred in connection with the education of Eligible children or
    2. The Immediate Family of the Insured towards loss of earning capability of the Specified Person in the event of death caused by Accident of the Insured.Provided that the benefit under this section shall be payable either under a) or b) above but not in respect of both.
16. Cost of conducting death ceremonies

Please refer to the policy wordings for details of complete coverage, exclusions, and terms and conditions.

* Conditions Apply.