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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.47. Is it that household linen can be insured?
Ans. Yes, it can be covered.
Q.48. Can I insure rare books?
Ans. Yes, it can be covered, but with in small limits. Discuss with Insurance Company clearly and include in the list. You will have to prove the value of rare books. It is a difficult thing. Getting policy issued for this is not an easy thing. Getting claim is more difficult- please keep it in mind.
Q.49. Can expensive suitcases are covered?
Ans. Yes, suitcases can be covered.
Q.50. Can air conditioners be insured under home insurance?
Ans. Yes, these can be covered.
  1. Under normal policy for fire.
  2. Under equipment break down part if it is less than 5 years old and is being maintained under AMC with a company.
In the first instance risk covered is fire etc.Compressor burnt due to low voltage is covered under equipment Break Down policy.
Q.51. What is the procedure to take Break Down insurance policy?
Ans. To take cover prepare list of airconditiners by writing the following:
Year of manufacturer,
Serial no.
Purchase price
Depreciated price
The same procedure is to be followed   for other electrical /electronic
Items like:
Microwave oven
Washing machine etc.
Q.52. Can Inverter, lights. Electric Iron, table lamps, Telephone and Internet be covered under the policy?
Ans. Yes, these are covered under home insurance.
Q.53. Can bathroom fitting be covered in home insurance?
Ans. Yes, these would be covered under structure cost.
Q.54. Are Watches and time pieces covered under home insurance?
Ans.  Yes, these are covered provided details are provided in the proposal form. It should be make, model, year of purchase, value, serial no. Retain photo of watch if it is costing more than Rs. 5000.
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