Householder’s Insurance
Whether you own or rent, your home and the possessions within it are precious to you & your family. Choosing to insure them, and making sure you have the right insurance products for your circumstances, offers peace of mind and lowers the financial pain of repairing your home and replacing damaged or stolen belongings.
Household Insurance is a comprehensive policy designed to provide protection cover for your home and its content against a variety of risks. Property valuation is done by multiplying the built-up area of the property with the cost of construction per square foot. Policyholder has to get his household contents as per their market value and Electrical Items on replacement value. Even if you have rented your property you can cover the contents of the house against fire & allied perils, Burglary and/or housebreaking, hold-up, mechanical and electrical breakdown of appliance etc.
When protecting what most people would consider their most valuable asset, it’s important to remember the least expensive policy may not be the best one for your needs. When buying a policy, you will also need to choose between sum insured or replacement cover.
Here, Vitality Insurance can help you understand and pick the right Household Insurance plan for you based on your goals and requirement.
It covers fire, lightning, riots, storm, flood etc for house building and its content.
It indemnifies the insured for loss or damage caused to the insured contents of the household by burglary.
It covers loss or damage caused to jewellery or other valuable items against theft or breakage losses.
It covers loss or damage to the domestic electrical, electronic and mechanical appliances like TV by fire, lightning etc.
Precious artwork & antiques can be insured at a valuation done by its own or insurer recognised valuation expert to protect against various damages.
It covers the insured against any third party liability arising out of his private household.