Householder Umbrella Insurance Policy

This is a package policy specially designed to meet the insurance requirements of a householder by combining under a single policy, a number of insurance cover usually taken by householders.

How Householder Umbrella Policy works
This is a pre- packaged product specially designed to cater to the need of householders with flexibility of choosing plans as per their need. This product has five sections and four category of sum insured. Customer can choose one among the four plans insured as per their requirement or value of property.

Premium is available in two categories. One is full coverage and other one is Without 1(A) i.e. Fire & Allied Perils, Building/flat. Section 1(A) can be taken if building/flat belongs to the insured. Insured can ignore Section 1(A) and take rest of the cover if the Building/flat is not owned by the Insured.


SECTION

DESCRIPTION

CATEGORY WISE SUM INSURED (in RS.)

PLAN - A

PLAN - B

PLAN - C

PLAN - D

1

(A) Fire & Allied Perils, Building/flat

4 Lacs

6 Lacs

10 Lacs

15 Lacs

  (B) Fire & Allied perils, contents

50000

1 Lac

2.5 Lacs

5 Lacs

2

Burglary Contents

50000

1 Lac

2.5 Lacs

5 Lacs

3

(A) T.V/Video Equipments

15000

20000

35000

50000

  (B) Electronic equip/ MBD of other domestic appliances

10000

25000

35000

50000

4

Loss of Cash due to Assault to Insured: AOA/AOY=5000/5000

5000

5000

5000

5000

5

Personal Accident

50000

1 Lac

2.5 Lacs

5 Lacs

  Premium Full Coverage (With section 1A)

900

1700

3100

5000

  Premium Without Section 1 (A)

700

1400

2600

4000



Coverage

Fire & Allied Perils, Building/flat (Class A construction only) & Contents-
This section covers Fire, Lightening, Explosion/Implosion, Aircraft Damage, Riot, Strike, Malicious Damage Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood & Inundation, Impact Damage, Subsidence & Landslide including Rockslide, Bursting & / or overflowing of water Tanks, Apparatus & Pipes, Missile Testing Operations, Leakage from Automatic Sprinklers Installations, Bush Fire, Earthquake , terrorism.

Burglary
Burglary, Housebreaking, Loss or damage to property contained in the premises occupied by the insured is covered under this section.

Loss of Cash due to Assault to Insured:
Money Insurance provides a shield against loss of cash due to assault on insured.

Personal Accident (for insured):
a) Death only
b) Loss of two limbs / two eyes or one limb and one eye
c) Loss of one limb or one eye
d) Permanent Total Disablement from Injuries other than those named above (PTD).

Get in touch with us to know more