ICICI Lombard Home insurance policy

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ICICI Lombard

ICICI Lombard Home Insurance

Natural Calamities & 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 ICICI Lombard's Home Insurance policy. We endeavor to guarantee absolute peace of mind from all uncertainties in your day-to-day life with this unique policy. We are committed to being by your side in your time of need.

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What does the policy cover ?

The Insurance for your home can be broadly divided into 2 parts:-

Structure cover - this is for the structure of your home. The compensation under this cover will be paid to repair damages of the structure caused by natural and man made calamities.
Contents Cover - This is for the possessions you have inside your home. If these are damaged or burgled then the insurance covers the loss you incur for the same.

You can take either one of these covers individually or opt for both to make sure you are covered comprehensively. The ICICI Lombard Home Insurance Policy has a comprehensive range of covers to protect your home. They are as follows:-

Fire and Special Perils (Rs 70,00,000*) - Covers losses to the structure of the house and the contents due to any natural and man made calamities. These calamities covered are :Fire, Malicious damage, Explosion/Implosion, Earthquake, Lightning, Storm, Cyclone, Tempest, Tornado, Hurricane, Floods, Strike, Riot, Impact Damage, Missile Testing Operations, Landslide, Inundation, Leakage from Sprinklers, Subsidence, Rockslide, Aircraft damage, Bursting and Overflowing of water tanks.
Burglary (Rs 20,00,000*) - 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.

Apart from the above covers, you can also opt for the following covers:-

Additional expenses of rent for alternative accommodation (Rs 1,00,000) - 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 (Rs 70,00,000) - It covers losses to the structure of the house and the contents due to acts of terrorism.

* the maximum sum insured for structure is Rs 50 lakhs and for the contents is Rs 20 lakhs.

Exclusive Features

Comprehensive plan to cover your home and day to day risks
Policy delivered at your doorstep
Country wide service network
Satellite imaging used for risk assessment and claims service

What do I do in case of a claim?

Countrywide Service Network

ICICI Lombard has tied up with Cunningham Lindsey for external loss assessment support. Cunningham Lindsey is the second largest loss adjuster in the world and the first licensed international survey firm in India. They bring on board world class service standards and a network of qualified and experienced surveyors. The strength of general insurance company is identified with its physical presence. ICICI Lombard surpasses all private players in sheer presence of its own offices and its external loss assessors Cunningham Lindsey.

We have built a system using the Geographic Information System (GIS) tool. This helps us to track the earthquake zones of the country and helps us track the number and spread of earthquakes that have happened in a certain area. This real - time information helps us to build our preparedness in handling calamities and conduct 'what if' assessments. It also helps us to mobilise resourses and help surveyors by leveraging the location details of your home. This will make sure that help reaches you when you need it the most.

Basis of Valuation Of Property

Building / Structure of your home

The structure of your home is covered on a 'Reinstatement value' basis. This is cost of rebuilding you home with a similar new construction. It does not cover the market value of your home as the land and the status value of the particular location also adds to this price. Only the cost of the construction of the house is covered as land is indestructible.

Contents

The contents are covered on ' market value basis" ie the cost of buying a similar item at the same age. This includes household appliances, personal effects and misc items. For jewellery and furniture, value is appropriately arrived at in consultation with a valuator.

What is not covered in the policy?

Willful destruction of property
Loss, damages and destruction caused by war perils, wear and tear, atmospheric conditions etc.
Losses if your house has been unoccupied for more than 30 days.
Cash, bullion , paintings, works of art and antiques.

Download brochure

Dial-A-Policy at

1800 209 8888

Help line Toll Free at

+91 11 4189 8868

To know more visit www.icicilombard.com

Insurance Provider

AMP Sanmar, Birla Sun Life, Bajaj Alliance, Cholamandalam, HDFC Standard Life, HDFC Chubb, ICICI Prudential life insurance, InG Vysya, ICICI Lombard, Life Insurance Corporation, Met life insurance, Max New York Life, National Insurance Company, Om Kotak Mahindra, Oriental Insurance Company, Royal Sundaram Alliance Insurance Co. Ltd., SBI Life Insurance, Tata AIG

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