HOME INSURANCE
The home insurance policy
from ICICI Lombard helps customers protect their biggest investment, viz., and
their home from natural and man-made calamities. Our comprehensive plans
protect much more than just the structure. They also cover the household
contents large and small under various schemes.
COVERAGE
·
The policy covers the losses to the structured and content of your home
due to any natural and man made calamities as explained previously under fire
insurance.
·
You can choose to buy insurance for only the building (structure) of
your house. You can also opt to insure the contents of the house.
·
The contents of your house are also covered against losses due to
burglary or and attempted burglary.
ADVANTAGES
·
The policy gives you an option of covering your house and assets for
multiple years at one go.
·
Discount of up to 50% available on long-term covers.
PREMIUM
·
The structure of your home is covered on reinstalment value basis i.e.,
the cost of rebuilding your home with a similar new construction.
·
The contents are covered on 'Market Value' basis ie, cost of buying a
similar item of the same age. For jewelers and furniture, value is
appropriately arrived at in consultation with a valuator.
·
The premium charged is Rs125/- for per lac sum insured for fire and
earthquake cover. It is Rs300/- for per lac sum insured for burglary.
CLAIM PROCESS
·
Inform the call center with the policy details.
·
ICICI Lombard 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 14 days)
·
On approval, payment sent to insured.
If you want to buy this policy please contact your nearest ICICI Lombard Insurance Company.
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