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What are the contents insured In Home Insurance policy?

The contents of your home are insured as per the market value. The policy covers the losses to the contents of your home due to any natural and man-made calamities.

The calamities covered are:
• Fire
• Riot, strike and malicious damage
• Explosion and implosion
• Earthquake
• Lightning
• Storm, cyclone, tempest, tornado, hurricane, flood and inundation
• Damage due to impact by vehicles
• Missile testing operation
• Subsidence, landslides and rockslides
• Leakage from automatic sprinkler installations
• Aircraft damage
• Bursting and/or overflowing of water tanks, apparatus and pipes

Burglary and Theft cover (only for contents): The contents of your home are also covered against loss due to burglary or an attempted burglary/ housebreaking including theft. It also covers loss of jewellery, silver articles and precious stones kept under lock and key, up to 25% of the total content sum insured or ₹1 lakh, whichever is lower.

Optional covers:

Terrorism cover: Covers any damages and losses to the contents of your home due to acts of terrorism. Please note that the Terrorism Cover is an optional cover and the coverage is valid for the first year only.