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Home Insurance Policy
A home is a place, which provides you the warmth and peace that one looks forward to at the end of a hard day's work. However, our home can also be threatened with burglary, damages caused by natural and man-made disasters. To secure your home of any threat, it offers you Home Insurance Policy, which will provide security to the structure and/or contents of your home against unforeseen calamities.
Comprehensive cover available, which covers both structure and / or contents of your home
Coverage up to 5 years for contents and 10 years for structure
Cover against Fire and allied perils, Burglary & Theft and Optional cover for Terrorism and Additional expenses of rent for alternative accommodation
- You can choose to buy insurance for only the building (structure) of your home, or only the contents (belongings) or both.
- The policy covers the losses to the structure and/or contents of your home due to any natural and man-made calamities.
- The following fire and special perils are covered:
- Impact Damage
- Aircraft damage
- Explosion / implosion
- Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
- Riot, Strike, Malicious Damage
- Subsidence and Landslide including Rockslide
- Bursting and/or overflowing of water tanks, apparatus and pipes
- Missile testing operations
- Leakage from automatic sprinkler installations
- Bush Fire
- Earthquake Cover
Under the earthquake cover, the policy covers loss or damage (including loss or damage by fire) to any of the property Insured by this policy occasioned by earthquake including Landslide / Rockslide resulting therefrom but excluding flood or overflow of the sea, lakes, reservoirs and rivers caused by Earthquake. Sum Insured for this cover is identical to the Sum Insured against the risk covered under main policy except for the value of the plinth and foundations of the building(s)
- Burglary cover and theft cover (only for contents)
The contents of your home are also covered against loss due to burglary or theft or an attempted burglary. 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. Jewellery, silver articles and precious stones are only covered for Burglary cover and not for Theft.
- Optional covers
- Terrorism Cover
Covers any damages and losses to the structure and / or contents of your home due to acts of terrorism.
- Additional expenses of rent for alternative accommodation
If you are forced to shift into an alternative accommodation because your home is destroyed or damaged by any insured peril, the policy will cover you against the additional rent. The maximum coverage is up to Rs.1 Lakh for up to 6 months. This cover is available only if you are insuring the structure of your home.
- Terrorism Cover
- Wilful destruction of property.
- Loss, damage and destruction caused by war, wear and tear etc.
- Losses if your home has been unoccupied for more than 30 days, without prior notice to ICICI Lombard.
- Cash, bullion, painting, works of art and antiques.
Insurance is the subject matter of solicitation.
"ICICI Bank Limited ("ICICI Bank") is licensed by the IRDA to act as a Corporate Agent of ICICI Lombard General Insurance Company Limited. The contract of insurance will be between ICICI Lombard General Insurance Company Limited and the Insured, and not between ICICI Bank and the Insured. ICICI Bank is acting merely as the Corporate Agent of ICICI Lombard General Insurance Company Limited and there is no direct or indirect linkage between the provisions of the banking services offered by ICICI Bank and your usage of the product or participation in the scheme offered by ICICI Lombard General Insurance Company Limited. Your participation in this product is purely on a voluntary basis. ICICI Bank is not liable or responsible for any claim, dispute, liability, loss or shortfall resulting from the scheme. This policy is brought to you from ICICI Lombard General Insurance Company Limited. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer."
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