Coverage offered by Home Family Protector Policy from IFFCO Tokio

This home protector insurance policy comprises of 12 sections and provides comprehensive protection to you, your family members, domestic help, valuables, and other assets.

Following is the detailed section-wise coverage offered under this policy which has been rated highly in many home protect insurance reviews: -

Under this section, your house is covered along with your possessions against incidents such as fire, flood, earthquake, cyclone, explosion, riots, strikes, etc.

Following expenses are also covered under the home protect insurance policy, at no extra cost: -

• Expenses for complying with government regulations after damage.
• Possessions that have been sent to a new place acting as a temporary residence.
• A fortnight before and after the marriage of any of your family member, the sum insured is automatically increased.
• Expenses covered under section 2.
• Professional charges of architects and surveyors for the supervision of the construction process.
• Expenses related to the removal of the debris.
• Enhancement of the sum insured for protection against inflation throughout the year.
• Loss on account of rent foregone as a Landlord.
• Loss on account of payment of additional rent as a Tenant.

Under this section, the property and belongings described under Section 1 are covered against incidents such as theft, robbery, housebreak, and dacoity. Under this section, impact damages are also covered, i.e.damages inflicted due to the impact caused by falling trees, aerial dishes, streetlights or caused by civic authorities during rescue operations.

Under this section, the loss incurred due to accidents, misplacement or misfortune. Losses incurred due to expensive items such as Gold, Silver, Precious Stones, Metals, watches, clocks, video cameras, photo cameras, musical instruments or sporting equipment including guns.

Under this section, reimbursement is provided for losses caused due to accidental breakage of glass and sanitary fittings. It includes losses caused due to any such breakage including the cost of frame, painting, and damage caused to other goods in your house.

Under this section, reimbursement is provided for damages caused by electronic equipment such as a computer, fax machines and other data storage peripherals that might have been installed at your home.

This section covers losses incurred anywhere around the world due to damage caused to television, PC, cell phones, laptops or other electronic gadgets.

Under this section, your pedal cycle is covered against damages caused inclusive of third party liability due to death, accident, injury or damage to property.

Under this section, loss caused due to the electronic or mechanical breakdown of electronic or mechanical appliances such as washing machine, air conditioner, and refrigerators till they are seven years old, is covered.

Under this section, you and your family members are covered against injuries, dismemberment, disablement, or death caused due to accidents. There are several benefits provided free along with this coverage for expenses such as: -

• Dead body transportation expenses
• Ambulance Service Expenses
• Education Fund for children
• Cost of rehabilitation of the insured person
• Cost of modification of house or vehicle due to such disability caused by injury
• Reimbursement for loss of employment benefits

Under this section, the insured person is covered against payment of his/her monthly EMI liabilities on account of the purchase of a house, car or other household equipment. This coverage is available if the insured person has been disabled or is seriously injured or gravely sick, and offers reimbursement for up to a maximum duration of 12 months.

Under this section, coverage is provided against losses incurred due to theft or misplacement of baggage belonging to you or any of your family members while you were traveling anywhere in the world for holiday or business purpose.

Under this section of our home protector insurance, coverage is provided against liability towards the public on account of damage to property, grievous injury or death caused due to the accident. It also covers the liability on account of your employees for death or injury caused due to and during their employment under you as per the Workmen’s Compensation Act or other relevant legislation.

Under this section, your legal liability towards the landlord as a tenant is also covered, as per the terms and conditions of the tenancy agreement. Losses that are covered include damage to electronic equipment, installation or to the structure of the building as per provisions of Section 1 and Section 2 of the policy.

Under this section, you are covered under the cost incurred by you due to damages caused to your house as per Section 1 when your house has been rendered inhabitable. Following expenses are covered under this section of the home protect insurance policy: -

• Evacuation cost incurred for yourself, your family and domestic help.
• Emergency Medical Treatment cost for injuries sustained due to damage to the house.
• Expenses incurred due to the removal of the contents of your home.
• Expenses incurred at a Hotel or Motel for stay due to damage to your house.
• Catastrophic Emergency Expenses for food, clothing and shelter
• Mortgage discharge fee if the damage has been caused due to perils mentioned under Section 1.