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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.38. We have the expensive paintings by master artists .Can these be covered under the policy?
Ans. Yes, these can be covered but you need a separate policy.
Q.39. Would bean bag, antique high table, wall frames be covered there in policy?
Ans. Yes, BeanBag is a normal item and it is covered. Antique high table may need registration under Antiques Act and it may become necessary to cover it under a separate policy
 Q.40. Can wrought iron furniture is covered under home insurance policy?
Ans. Yes, it can be covered.
Q.41. Is wooden flooring covered in home insurance policy?
Ans. Yes, it is covered under structure.
Q.42. Can jewellary be insured under home insurance policy?
Ans. Yes, Jewellery can be insured. All items over Rs 15000 should be supported by valuation report; otherwise you will have serious difficulty at the time of lodging claim.
Q.43. If Jewellary is covered, then how is the valuation to be done?
Ans. You should show jewellery to Valuation Jeweler and he will issue report, which will mention the value of the same.
Q.44. what is the maximum amount of jewellery which can be insured?
Ans. If can be any amount subject to following:
  • Item above Rs.15000 should have support of valuation report?
  • If the amount is very large say Rs.5 crore then some insurance company may cover the risk up to Rs.1 crore and you may have to take 5 different policies from 5 different insurance companies. Keep documents properly so that claim is lodged on right insurance company when the loss occurs.
Q.45. What will be documents required to take insurance for jewellery?
Ans. Valuation report from government approved valuation jeweler is the document .Its copy should be attached to the proposal form. Keep copy with you in bank locker as you will need it when the claim arises.
Q.46. What are the documents required to lodge the claim for jewellery loss?
Ans. FIR/ copy of valuation report etc are to be submitted  with duly filled up claim form.
Q.45. My wife went to attend a marriage and she lost necklace costing Rs 7 lakhs. This was insured and valuation report was attached with proposal form. What is the procedure to lodge the claim?
Ans. You must have called police when the loss occurred. You should obtain F.I.R copy and lodge the claim with the insurance company.
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