My Home Insurance All Risk Policy will protect not only home, but also the belongings inside it, against risks like fire, burglary and natural calamities.
Key Benefits
- Provides complete protection for property, contents, and interests of the insured and their family members in a single policy
- Covers home against loss from fire, burglary and natural calamities
- Covers the contents of the home, including portable equipment
- Cover for jewellery, valuables, works of art
- Additional benefit of rent for alternate accommodation
- Useful add-ons to customise policy for total protection
- Several home insurance plan types with various coverage options to choose from
- Option to insure either the flat/apartment/building only, or contents only, or both
- Affordable premium and attractive rebates
Add-on Covers
The My Home insurance policy comes with some great add-on covers, offering complete protection! They are as follows:
- Loss of rent cover
- Temporary resettlement cover
- Keys and locks replacement cover
- ATM withdrawal robbery cover
- Lost wallet cover
- Dog insurance cover
- Public liability cover
- Employees compensation cover
Three Different Plans to Choose from
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BUILDING (STRUCTURE) |
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My Home Insurance – All Risk Policy |
Agreed Value Basis (Flat/ Apartment) |
Reinstatement Value Basis (Flat / Apartment / Independent Building) |
Indemnity Basis (Flat / Apartment / Independent Building) |
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New For Old Basis (Excluding Jewellery and Valuables, Painting, Works of Arts and Curios) |
PLATINUM PLAN -I Flat/Apartment – Agreed Value Basis + Contents – New For Old (For Contents Up to 5 Years) |
DIAMOND PLAN -I Flat/Apartment/Building – Reinstatement Value Basis + Contents – New for Old (For Contents Up to 5 Years) |
GOLD PLAN -I Flat/Apartment/Building – Reinstatement Value Basis + Contents – New for Old (For Contents Up to 5 Years) |
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Indemnity Basis (Excluding Jewellery and Valuables) |
PLATINUM PLAN -II Flat/Apartment – Agreed Value Basis + Contents – Indemnity Basis |
DIAMOND PLAN -II Flat/Apartment/Building – Reinstatement Value Basis + Contents – Indemnity Basis |
GOLD PLAN -II Flat/Apartment/Building – Indemnity Basis + Contents – Indemnity Basis |
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Portable Equipments Coverage |
Inbuilt Coverage : India Coverage Extension On Payment of Additional Premium :Worldwide |
Inbuilt Coverage : India Coverage Extension On Payment of Additional Premium :Worldwide |
Inbuilt Coverage : India Coverage Extension On Payment of Additional Premium :Worldwide |
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Jewellery and Valuables |
For Jewellery & Valuables: Coverage Extension On Payment of Additional Premium :Worldwide |
For Jewellery & Valuables: Coverage Extension On Payment of Additional Premium :Worldwide |
For Jewellery & Valuables: Coverage Extension On Payment of Additional Premium :Worldwide |
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Rent for Alternate Accommodation |
0.5% of the Flat/Apartment Sum Insured or actual rent which ever is less subject to a maximum of ‘50,000/- per month for the period until the Completion of Reconstruction or 24 months which ever is less |
0.3% of the “Building” Sum Insured or actual rent which ever is less subject to a maximum of ‘35,000/- per month for the period until the Completion of Reconstruction or 24 months which ever is less |
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OPTIONS TO INSURE |
Insured has the Option to insure either Flat/ Apartment Only OR Contents Only OR Both |
Insured has the Option to insure either Flat/ Apartment/Independent Building Only OR Contents Only OR Both. |
Insured has the Option to insure either Flat/ Apartment/Independent Building Only OR Contents Only OR Both. |
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OPTIONS FOR POLICY PERIOD |
1 Year 2 Years 3 Years |
1 Year 2 Years 3 Years |
1 Year 2 Years 3 Years |
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ADD ON COVER FOR ALL PLANS |
1. Loss of Rent 2. Temporary Resettlement Cover 3. Keys & Locks Replacement Cover 4. ATM withdrawal Robbery Cover 5. Lost Wallet Cover 6. Dog Insurance Cover 7. Public Liability Cover 8. Employee’s Compensation Cover |
1. Loss of Rent 2. Temporary Resettlement Cover 3. Keys & Locks Replacement Cover 4. ATM withdrawal Robbery Cover 5. Lost Wallet Cover 6. Dog Insurance Cover 7. Public Liability Cover 8. Employee’s Compensation Cover |
1. Loss of Rent 2. Temporary Resettlement Cover 3. Keys & Locks Replacement Cover 4. ATM withdrawal Robbery Cover 5. Lost Wallet Cover 6. Dog Insurance Cover 7. Public Liability Cover 8. Employee’s Compensation Cover |
