Home Insurance

Protect your home and your assets within it.

House & Property Insurance

Are you worried about the safety of your house? Fortunately, we have Epolicy Householder’s Package policy. It is a Home insurance policy that safeguards all your assets of your house under a single roof.

Benefits

  • Your entire home and its things within like furniture, fixtures etc.
  • Moreover your mechanical and electrical appliances such as washing machine and fridge etc.
  • ​Most of your electronic gadgets like mobile, Television, computer, etc.
  • Property Insurance not only covers your home but also protects your family against unforeseen accidents.
  • Protection against natural disasters like earthquake or accidental like burglary, fire or even terrorism related losses.    
  • Pest Control Assistance is also provided.
  • Electronic Gadgets Repair Assistance is also provided.


Policy Cover

At the end of the hard work of day a home is a place, which provides you the warmth and peace. However, our home is made of a few elements but it is the place which secures us. Similarly our Epolicy Home Insurance Policy is made up of various elements that protect your home. The cover is spread out over four comprehensive categories.


Fire and Allied Perils

  • Maximum Sum Insured (SI) for the structure of your home is Rs. 25 Lakh. You can use the following pointers to calculate the SI on your own

  • 1)Multiply the ‘built-up area’ of your home with the current construction cost per square foot.

    • 2)Exclude the cost of the land from the calculation of the SI.

    • 3)Include the construction of any compound wall for the home.

  • Coverage against losses resulting from the following threats for household goods like furniture durables, clothes, utensils and many more:

    • Fire

    • Lightning

    • Explosion / Implosion

    • Aircraft damage

    • Riots, strike

    • Subsidence

    • Landslide, flood and inundation, earthquake

    • Impact damage

    • Terrorism

  • Cover for jewellery(gold, silver, precious metals and stones) and other valuable items against damage or loss due to an accident or misfortune that occurred, while present within the premises covered under the policy. Please note that the SI for the jewelry is limited to 25% of the SI for Fire and Allied Peril-Other contents’s subject to maximum of Rs. 2 lakhs.

  • Please note that the Sum Insured for the jewelry is limited to 25% of the Sum Insured & for Fire & Allied Peril-Other content’s subject to maximum of Rs. 2 lakhs.

  • Cover against damage or loss due to fire. Apart from this,damage or loss due to terrorism and earthquake are built into the policy.

Burglary and Housebreaking

  • In case of any theft, burglary and housebreaking a compensation of up to cost of Rs. 2 lakh for loss or damage to the items in your house.

  • Coverage for Jewellery(gold, silver, precious metals and stones) and other valuable items against damage or loss due to theft, burglary, larceny and housebreaking. Please note that the SI will be equal to what is selected for the Fire and Allied Peril-Jewellery section.

  • Please note that the SI will be equal to what is mentioned for the the Fire & Allied Peril -Jewelry section as above.

Domestic Mechanical and Electrical Appliances

  • Under this, you get cover for domestic mechanical and electrical appliances (up to 10 years old) against any mechanical and electrical breakdown.

  • Choice of the items that you wish to cover under the following categories:

    • Domestic Electrical and Mechanical appliances:

      • Microwave
      • Washing Machine
      • Air conditioner
      • Refrigerator
      • Vacuum Cleaner
    • Domestic Electronic appliances

      • Music System
      • DVD Player
      • Computer-PC

Please note that the value of your appliance will match the current replacement value of the new appliance of the same model.

  • Please Note: Choice of coverage for electronic items like computers,music systems or other domestic electronic appliances against fire & allied peril’s, burglary, breakdown etc. like mobile phones, iPods, Laptops and Tablet Computers are not part of this cover.

  • Cover for one or more than one television systems in the house. If you have more than one system, you may calculate your SI based on their total value. The systems that are considered under this cover are:

    • LCDs
    • LEDs

    • Plasma Screens
    • Flat Screens

Personal Accident

Under this cover, you are entitled to receive compensation in case of an accidental death or permanent total disablement following an accident. You can cover yourself and your family members aged from 5 to 70 years.

The package offered to you and your family members will follow this kind of structure:

  • Maximum Sum Insured for self and/or spouse, if earning, can be the SI opted for under Fire and Allied Peril-Other Content for each person.
  • Sum Insured for a non-earning spouse will be 50% of the earning member or Rs. 1 lakh, whichever is less.
  • Children,aged between 5 years and 25 years, will have an SI of 25% of the earning member or Rs. 50,000 per child, whichever is less.

Home Insurance is the method of protecting your shelter which is one of the basic necessities of life. Thus it helps in the protecting ourselves too as home is the place where we always wish to relax at the end of the day’s entire hard work. Thus we need to secure it by making use of our current savings for our future by availing this policy. Thus a home insurance policy is not just the guardian of your treasured home, but also the belongings of yours that reside therein. So,you are always suggested to avail it.