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HOUSE HOLDERS INSURANCE

COVERAGE : Covers the House, Contents and various properties of the

householder under one single policy, against various perils. Policy consists of

various sections covering different properties of the insured.

RATING

SECTIONS Rate Per Mille

I(A) BUILDING(FIRE) 0.50

I(B) CONTENTS(FIRE) 0.50

Risk Covered: Fire,Lightning,Explosion of Gas in domestic

Appliances, Riot and Strike, Malicious Damage, Flood,

Cyclone etc., Impact Damage,Aircraft Damage,Subsidence

of Landslide Bursting and overflowing of Water Tanks,Apparatus or pipes and EARTHQUAKE

II BURGLARY AND HOUSE BREAKING 2.40

Risk Covered: Burglary,Housebreaking, Larceny or Theft

(Insurance on Contents for this Section should be equal to

value mentioned under Section I(B) above.)

III ALL RISKS 10.00

Risk Covered: Jewellery and Valuables against Loss or damage

by accident or misfortune whilst anywhere in India.

IV PLATE GLASS 10.00

Risk Covered: Fixed Plate Glass against accidental damage

V BREAKDOWN OF DOMESTIC APPLIANCES 2.50

Risk Covered: Damage caused by and/or solely due to Mechanical

or Electrical breakdown of Domestic electrical or Mechanical

appliances apparatus or gadgets.Sum Insured should be present

day replacement value of similat new equipment.

VI TV/VCR SET ETC., 10.00

Risk Covered : Covered as per Section I & II , accidental

External means and Mechanical or Electrical Break down.

Legal Liability upto Rs.25000/- and Damage to Insureds

Own property due to collapse of Antenna upto Rs.3000/-

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VII PEDAL CYCLE 20.00

Risk Covered: Loss or Damage due to Fire,Lightning,

internal explosion,Riot and Strike,Terrorism,Malicious

Damage,Earthquake,Flood, Cyclone etc., Burglary,

Housebreaking,and/or theft,external accident and legal

liability subject to limit of Rs.1000/-

VIII BAGGAGE 7.50

Risk Covered: Loss or Damage to insured accompanied

baggage by accident or misfortune whilst the insured is

travelling on tour or holiday anywhere in India.

IX PERSONAL ACCIDENT As per P A guide rates.

Risk Covered: As per P A (Individual) Policy terms and conditions.

X A PUBLIC LIABILITY 0.50

Risk Covered: Insured Legal Liability for Bodily injury orLoss or Damage to Property of third party limited to amount

specified in the Schedule.

B WORKMENS COMPENSATION LIABILITY As per W C guide rates.

Risk Covered: Liability for Domestic servants engaged I the Insured

Premises.

XI PERSONAL COMPUTERS 10.00

Risk covered: Terms conditions and exclusions as per

Electronic Equipment Policy.

TERRORISM COVER IS OPTIONAL

SECTION DISCOUNT : For covering moret than 4 and

upto 6 sections (including Tariff rated section) 15% discount on

Non Tariff section premiums only. For more than 6 sections

(including Tariff rated sections) 20% discount on Non tariff

section premiums only.

Minimum Sections tobe covered : 3 ( THREE )

MAJOR EXCLUSIONS: Loss or damage by War/Civil War and

the like. depreciation, wear and tear, Consequential loss etc.,

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