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All in One Home Protector Policy
All in One Home Protector Policy offers protection to your home and your household assets. It is a one stop solution for home owners and tenants. Here are some of the main features of the policy:
It offers coverage against natural calamities like fire, explosion, earthquake, flood, etc
It offers coverage against manmade calamities like robbery, dacoity, riots, strike, etc
The policy covers fine arts
The policy covers personal liability worldwide
The accidental damage is covered under burglary
The policy gives an option to cover your pet
The special features include coverage of contents kept with children living outside for purpose of study.
What it covers
The policy offers coverage under 12 sections of which at least 3 should be opted by the policyholder.
Section 1: Fire and Allied Perils
Section 2: Burglary & housebreaking including larceny or theft and other perils
Section 3: All Risk
Section 4: Fixed Glass and Sanitary Fittings
Section 5: Electronic Equipment
Section 6: Home Entertainment Equipment, portable computer Mobile Phones and Pedal Cycle
Section 7: Breakdown of Domestic Appliances
Section 8: Personal Accident
Section 9: Loan Payment Protection
Section 10: Baggage
Section 11: Liability Insurance
Section 12: Increased Living Expenses
Damage as a consequence of war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution etc.
Any damage due to confiscation, commandeering, requisition or destruction by order of any government or lawfully constituted authority.
Any damage directly or indirectly caused by or contributed to or arising from ionizing radiation or contamination by radioactivity.
Depreciation and damage caused by wear and tear or gradual deterioration.
Terrorism is excluded unless specifically mentioned in the policy.
Any existing damage, injury, disease or illness occurring before cover commences under the policy.
* For detailed coverage under different sections read policy documents
The policy can be cancelled by the company on grounds of fraud, moral hazard or misrepresentation or non-cooperation by sending 15 days notice. In such event, IFFCO-Tokio will return to the insured, except in case of fraud or illegality, the premium paid less the pro rata portion thereof for the period the policy has been in force. Insured may also cancel this policy by sending 15 days written notice. The company will then allow a refund after retaining the premium based on specified rates.