Home Protect

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 offers comprehensive coverage for the building structure, the contents inside it, as well as for the family.

Triple Benefit Chola Total Home Protect offers cover for:
Building Contents People
  • Structure [for own house only]
  • Additional rent for alternate accommodation [for own house only]
  • Protection for household appliances against electrical and mechanical breakdown
  • Jewellery and valuables
  • Plate-glass insurance
  • Purchase protection
  • Family floater accidental hospitalization
  • Personal Accident
  • Public Liability
  • Workmen's Compensation
Simple Structure of Plans and covers
Coverage Details Plan Details
Silver Gold Platinum
Building structure cover Only if own house
Contents – Fire, burglary, earthquake, terrorism Y Y Y
Household appliances – electrical & mechanical breakdown Y Y Y
Jewellery & valuables Y Y Y
Family floater accidental hospitalization - Y Y
Additional rent for alternate accommodation Only if own house
Personal Accident - Y Y
Public Liability - - Y
Baggage loss Y Y Y
Plate Glass insurance - Y Y
Workmen’s Compensation - - Y
Purchase protection Y Y Y

Cover for Building Structure

Chola MS Total Home Protect offers cover for loss or damage to the building structure due to:

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

Cover for Contents

The contents of the house can be insured against loss or damage due to:

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

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

  • Domestic Appliances (such as television, washing machine, refrigerator, microwave, AC) can be covered against electrical and Mechanical breakdown.
  • Jewellery and Valuables can be covered against burglary, theft, damage by fire, flood and earthquake.
  • Plate Glass can be insured against external damage.
  • Baggage lost during travel within India is compensated for at the market value of the items lost, subject to the sum insured.
  • Purchase Protection Cover offers automatic protection for new domestic appliances bought within the home insurance policy duration for a period of thirty (30) days from the purchase date. The cover is offered against damage by fire, floods, earthquake, etc. This is over and above the Contents Cover.
  • Additional Rent for Alternate Accommodation: If the insured home is damaged or undergoing repairs and the policy holder needs to stay at an alternate rented accommodation, Chola MS will bear the additional rent payable towards temporary rented accommodation.

Cover for People

All the individuals within the insured building structure are protected against unfortunate events, such as:

  • Family Floater Accident Hospitalization: In situations where the immediate family (the policy holder, spouse and/or two children) sustain accidental injuries that require hospitalization, the medical expenses are covered by the insurance policy.
  • Personal Accident Cover: A fixed amount is offered in case of an unfortunate accident to the immediate family (the policy holder, spouse and/or children) that results either in permanent disablement or fatality.
  • Public Liability: Covers legal liability towards a third party due to damage/injury/death to the third person or their property within the insured building structure.
  • Workmen's Compensation: The Workmen's Compensation Act holds the employer responsible for compensating for injury and illness to an employee (including domestic help) within the premises of the insured building structure. The Workmen's Compensation is meant just for this type of legal liability.

A home insurance policy is the only way to protect and safeguard your peaceful abode from such unexpected dangers.

You can also choose from our customized house insurance plans -  Long Term Dwellings.

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

* Conditions Apply.