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Ria Insurance Brokers Pvt Ltd, Om Plaza (1st Floor), 430/7, Sant Nagar, East of Kailash, New Delhi-110065
Mob:+91-8447757650 Phone: 011- 41623784, 41324710 Email: ria1@surekhae.com
1- Supposing the Property to be Insured for Rs.50,00,000/   2- Rate to be Used for Calculating Sum Assured
3- Premium Rate Applicable for Home Insurance   4- Extra Premium Payable
01-Introduction of Home/House Hold Insurance
02-Need of Home Insurance
03-Head Office Addresses of Home Insurance Company
04-What Home Insurance policy covers in India?
05-What Home Insurance policy in India does not cover?
06-Various Products of Home Insurance Company
07-Various Home Insurance Company's Product in India
a)- Download Policy Brochure/ Wording/ Proposal Form/ Claim Form Various Home Insurance Products
b)- Policy Wording of Home Insurance (Bajaj Allianz Gen. Ins. Co. Ltd.)
c)- Policy Wording of Home Insurance (National Ins. Co. Ltd.)
08-Product Selection Guide Home Insurance Company's
a)-Salient Points of Products of Various Insurance Company
b)-Selection of Home insurance Products Company in India
c)-Best Rates of Various Home Insurance Companies Use calculator
09-Home Insurance Claim Procedures Issues
a)-Consumer Forum Case Studies in India
b)-Protect Your Interests
c)-Circumstances under Which Claims Get Rejected.
d)-Claims Not Allowed - Some Case Studies.
10-Home Insurance FAQs
(FAQ) Frequently Asked Questions on Home Insurance in India.
11-Market Scenario
a)-Market Share of Home Insurance in India.
b)-Where are We Heading
c)-Future Changes Expected
Frequently Asked Question's on Home Insurance India
Q.29. Some of my wedding dresses Lehngas / Sarees have extensive gold or silver work (Zari) work done on them. Will it be covered?
Ans. Yes, under the head of Sarees you should write Asli Zari Sarees separately. Better keep photo’s of these for reference. You will find it useful when it comes to lodging of claims.
 Q.30. Can Gas burner and cylinder be covered in the policy?
Ans. Yes, these should be mentioned under kitchen equipments category and are covered.
Q.31. Would the utensils, crockery, cutlery be covered under the policy?
Ans. Yes. These would be covered. If you have expensive crockery then mention the make /country of manufacture. If you have sterling silver cutlery keep photographs /weight of each item .Mention it clearly in the detailed list. If the value of sterling silver cutlery is large- get it valued by jeweler and attach to proposal form. This will be useful.
Q.32. If some crockery is broken due to dust storm, is it eligible for claim.
Ans. Yes, it is.
Q.33. Is kitchen chimney covered under the policy?
Ans. Yes, it is covered under kitchen equipment.
Q.34. Would the wardrobe covered under the policy?
Ans. Yes, if it is fitted then it is covered under structure heading. If it is separate then it is covered under furniture & Fixtures heading.
Q.35. Can Bar stand and T.V be covered in the policy?
Ans. Yes, Bar Stand would be covered under furniture. TV would be covered under Electronic Equipment category. If it is less than 5 years old and under AMC then you may take Breakdown policy. LED screen of new TV’s (46 inches and higher) is costly and it may get damaged / fail. It is a good decision to take break down policy for new electronic equipment.
Q.36. We have expensive German modular kitchen which cost us Rs 5.50 lakhs. Can it be covered in the policy?
Ans. Yes, it would be covered under furniture. You should mention it clearly in the detailed list.
Q.37. Can I cover a beautiful silk carpet which cost us Rs 3.00 lakhs?
Ans. Yes, it would be covered under furnishing .You should clearly mention quality with size for example (Hand woven Kashmiri Silk carpet 6 feet x 4 feet). You must keep photo. You will find it useful at time of lodging claim.
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