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ICICI Lombard Home Insurance

Home is where the heart is. There are no truer words than these. Our entire life revolves around our home. Besides being an investment of our life's savings, home is also the place of our dreams. Alive with countless warm memories. Samuel Johnson's words ring true here “To be happy at home is the ultimate result of all ambition”. However, specified natural calamities and man-made dangers can threaten the security of your home. Painful as it can be we need to secure it and provide for re-creating it, in case of damage due to unforeseen circumstances. This is one of the reasons why you will appreciate Home Insurance Policy of ICICI Lombard. We endeavour to guarantee absolute peace of mind from all uncertainties in your day-to-day life with this unique policy. Read More

We are committed to being by your side in your time of need.Read Less

FEATURES

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Comprehensive plans protecting your home from Natural and Manmade calamities

Customizable Sum insured that is calculated on the basis of construction cost per sqft and property size in sqft

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Cover the contents of your house including jewellery

PLAN OPTIONS/VARIANTS

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    • Structure
      • Fire - (Excluding destruction or damage due to its own fermentation, natural heating or spontaneous combustion, undergoing any heating or drying process, burning of property ordered by Public Authority
      • Earthquake
      • Lightning - (with or without actual ignition)
      • Explosion/Implosion - (Excluding damage to non-domestic boilers vessels, machinery or apparatus in which steam is generated, damage due to centrifugal forces)
      • Aircraft Damage - (Inclusion: aerial or space devices, Exclusion: Loss due to pressure waves)
      • Riot, Strike, Malicious Damage - (Inclusion: visible physical damage or destruction by external violent means)
      • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation - (Exclusion: Cracking, Faulty design etc.)
      • Impact Damage - (by any Rail/ Road vehicle or animal)
      • Subsidence and Landslide including Rock slide
      • Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
      • Missile testing operations
      • Leakage from Automatic Sprinkler Installations
      • Bush Fire
    • Contents
      • Burglary (Contents): Covers the loss of contents due to burglary or an attempted burglary, and loss of jewellery, gold ornaments, silver articles and precious stones kept under lock and key.
    • Structure & Contents
      • Combination of the above two.
    • Optional Add On
      • Additional expenses of rent - 1,00,000 for alternative accommodation - This cover provides for additional expenses incurred for the payment of rent, in case you have to shift to an alternative accommodation due to the action of perils covered under this policy.
      • Terrorism (Structure and/or Contents) - It covers losses to the structure of the house and the contents due to acts of terrorism inclusive in FIRE AND SPECIAL PERIL and is mandatory cover.

Exclusions

Exclusions

Structure and Content Insurance:

  • Basement and Kutcha construction is excluded from the scope of cover
  • Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations
  • Leekage/Seepage due to insured perils
  • Loss or damage caused by the insured’s and/or insured’s domestic staff direct and/or indirect involvement in the actual or attempted burglary or theft
  • Willful destruction of property
  • Losses if your house has been unoccupied for more than 30 days without any notice to ICICI Lombard
  • Cash, bullion, paintings, works of art antiques, mobiles and laptops
  • Electrical/Mechanical breakdown

CLAIMS

  • Inform the Call Center with the policy details
  • Authenticates the claim request
  • Surveyor onsite within 48 hours
  • Site report within 24 hours. Interim report within 72 hours on returning from site
  • On account payment if needed
  • Insured submits documents (as mentioned in policy wordings)
  • Surveyor submits report to Company
  • Company process documents (within 7 days)*
  • On approval, payment sent to Insured

Bajaj Allianz life Smart Protect Goal

Disclamier

This contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale.ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). customersupport@iciclombard.com.Read More

www.icicilombard.com. Comprehensive Home Insurance Policy. Misc 118. UIN: IRDAN115P0003V01201112.Read Less

FREQUENTLY ASKED QUESTIONS

What are the exclusions of this policy?

The company is not liable to make payment for:

  • Basement and Kutcha construction is excluded from the scope of cover.
  • Any loss or damage caused by you or your domestic staff direct or indirect involvement in an attempted burglary
  • Any damages due to Rainfall is not covered under the policy
  • Any loss or damage on account of loss of livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kinds, ATM debit or credit cards, unless previously specifically declared by the company.
  • Any loss or damage to any property that is illegally acquired, kept, stored which is subject to forfeiture.
  • Any loss or damage occurring while your home is unoccupied for a period of more than 30 days consecutively and if you failed to inform the company about the same.

What if I sell the property during the insured period?

You can cancel the policy and take the premium back.

If three people share an apartment, can each one take a separate home insurance policy?

Yes, for their part of the asset.

How do we get the valuation of our property done?

The contents are covered on market value i.e. the cost of buying a similar new item after deducting appropriate depreciation on the basis of the age of the item. This includes household appliances, furniture, jewellery, personal effects and miscellaneous items.

Can the contents be covered in a building that is 45 years old?

We offer a cover for the buildings not more than 50 years old on a case-to-case basis.

What is the Policy start date for Home Insurance?

The policy start date for home insurance will be 7 days from the online transaction date.

Who can take the insurance?

The owner of the property (dwelling and contents) with insurable interest can insure an asset. However, you can declare the possessions as 'goods held in trust' and take insurance for them.

If I work out of my home, is my inventory and business property also covered?

The home insurance product is only for residential property. In case you use your home as your place of business also, you have to take Merchant Cover.

What do I do in case of a claim?

In case of a claim:

  • Inform the Call Centre with the policy details
  • The company authenticates the claim request
  • The surveyor is onsite within 48 hours
  • The surveyor submits a report to the company within 72 hours on returning from the site
  • The documents are processed by the company within 7 days
  • On approval, you will receive the payment

What are the documents required for filing a claim?

The documents required for filing a claim are:

  • Claim Form of the company duly completed and signed
  • Other evidence of the event occurring, nature and extent of loss such as:

First Information Report
Fire Brigade Report
Estimate of the repairers
Rent Agreement
Transport details for baggage loss

What do I do in case of a burglary claim?

In case of burglary claims, amounts up to 75% of the claim payable (as assessed by the company appointed surveyor) will be paid on receipt of a copy of the first information report (FIR). The balance settlement will be made only on receiving the final police investigation report.

How is the value of jewellery calculated?

The maximum value of jewellery covered will be 25% of the total contents or '5 Lakh, whichever is lower.

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