What does Home Protect cover

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:

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 Electrical Appliances(such as television, washing machine, refrigerator, microwave, AC) can be covered against electrical breakdown.
• Jewellery and Valuablescan be covered against burglary, theft, damage by fire, flood and earthquake. No valuation certificate is required at the proposal stage.
• Plate Glasscan 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 Coveroffers automatic protection for new domestic appliances bought within the policy duration for a period of 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 Cover: Forsituations 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: TheWorkmen'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.

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

* Conditions Apply.