Your home is your most valuable possession and you do everything to protect it. Go a step further and give your home the best possible protection from unforeseen events with our My Home Insurance plan.
At Bajaj Allianz, we understand that whatever be the market value of your house, it is invaluable. That's why we bring you a comprehensive home insurance cover - My Home Insurance All Risk Policy which will protect not only your home, but also the belongings inside it, against risks like fire, burglary and natural calamities.
Key Benefits of Home Insurance
- Provides complete protection for property, contents, and interests of the insured and their family members in a single policy
- Covers your home against loss from fire, burglary and natural calamities
- Covers the contents of your home, including portable equipment
- Cover for jewellery, valuables, works of art
- Additional benefit of rent for alternate accommodation*
- Useful add-ons to customise your policy for total protection
- Several home insurance plan types with various coverage options for you to choose from
- Option to insure either the flat/apartment/building only, or contents only, or both
- Affordable premium and attractive rebates
Coverages Under Home Insurance
- Loss or damage to content: Furniture, Fixtures, Fittings, Cupboards Including Inbuilt Cupboards, Electrical Fittings, Sanitary Fittings ,Electrical and Electronic Appliances, Crockery, Cutlery, Steel Utensils, Clothing and Personal Effects, Drapery, Pedal Cycles , other Household Articles not older than 10 years whilst stored or lying in your "Building"
- Loss or damage to portable equipment anywhere in India: We will indemnify you in respect of the accidental loss of or damage to "Portable Equipment" anywhere in India. However, on payment of Additional Premium the coverage for "Portable Equipment" may be extended to Worldwid
- Loss or damage to Jewellery and Valuables: We will indemnify you in respect of the accidental loss of or damage to "Jewellery and Valuables" anywhere in India. However, on payment of Additional Premium the coverage for "Jewellery and Valuables" may be extended to Worldwide.
- Loss of or damage to "Curios, Works of Art and Paintings" whilst stored or lying in your Building: We will indemnify you in respect of the accidental loss of or damage to "Curios, Works of Art and Paintings" whilst stored or lying in your Building.
Our My Home Insurance policy does not cover loss or damage to the property by or due to or arising from:
- Misrepresentation, mis-description, or non-disclosure of any material information
- Damage which is pre-existing in nature (applicable to contents and building)
- Manufacturing defects in electrical, mechanical, and electronic items
- Any flat/apartment/independent building which is more than 30 years old and which is of kutcha construction
- Contents and valuables of a flat/apartment/independent which is not occupied by a tenant for residential purpose
Disclaimer: The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings