Home is where the heart is! Buying a house is one of life’s greatest decisions. You spend years of your hard-earned money to buy a place of your own. Yet, many people forget to secure their most important investment. Don’t be one of them! From jewelry to gadgets, your home has many valuables and isn’t just a piece of property.
Get Future Generali’s home insurance and stay financially protected against unfortunate circumstances such as fire, theft, natural calamities, etc. We have plans that cover all your precious personal belongings at any additional premium. Be it the latest gadgets, your expensive bags, beautiful interiors or even your jewelry, home insurance assures everything.
Complete protection for property, contents, along with the interests of yourself and your family members under a single policy.
We provide affordable and attractive premium rates.
State of the art, In-house claims servicing unit for hassle-free claims process.
All Risk Insurance for jewellery, ornaments or high value items. Portable equipments such as laptops are also covered.
Future Generali Home Insurance is available for both Homeowners and Tenants
You can buy home insurance that protects your building structure that protects from natural calamities. You can also cover the contents of your house such as electronics, furniture's etc
The valuables inside your home are so important and you can have your contents completely secured
Fires are dreadful and can cause damage to your precious home and your most beloved belongings. In such times, our home insurance policy acts as your rock!
Despite the modern, technologically advanced home safety measures, burglaries in India are rising. We are with you in this loss. Bank on us to cover all your expenses if your belongings are stolen.
Natural calamities are unpredictable and devastating. You cannot avoid the nature’s furies but you can cover the damage with our policy and quickly get back up on your feet.
Home is both a matter of pride and responsibility. We share your responsibilities and help you with any legal troubles. We cover all liabilities like tenants, public liability, and domestic workmen compensation.
Loss due to wear and tear
Damage to phones or any other communication devices
Once you secure the insurance cover, you get a financial assurance for all your home needs. You also get documents for your better understanding and convenience.
Unless prior consent has been given by the Insurer, home insurance policy does not cover items like jewellery ornaments, art works, scripts, documentary information, computer system information, shares & stocks and cash. These can be covered on specific request and subject to valuation.
Fire insurance covers the structure of your home and along with any permanent fixtures and fittings like kitchen units and bathrooms. It covers the cost of repairing or re-building your home if it's damaged by flood, fire or any of the other risks detailed in the policy.
Future Generali’s Home insurance policy covers both, the structure of your home against Fire and allied perils as well as the contents.
Home insurance is a comprehensive Package Policy which provides protection to home owner, property and its contents against loss or damage by sudden, unexpected event or accidents.
The Home Insurance Policy covers:
Fire Insurance of the building and home contents
Burglary / Housebreaking
All Risk Insurance for jewellery, ornaments or high value items, portable equipments such as laptops
Electrical and Mechanical failures of domestic appliances
Protection of Electronic Equipment
Personal Accident for your family
Protection against liabilities like tenants legal liability, domestic workmens compensation and public liability
Enhanced protection to include coverage for Baggage, Plate Glass, Pedal Cycle, ATM Cash Withdrawal, Misuse of Credit Card, Veterinary Costs.
No, only building cannot be covered under Home insurance Policy. Cover for Building can be given only along with contents.
The most accurate way to determine the replacement / reinstatement cost of your home is to hire a building contractor or other building professional to produce a detailed estimate. Only the cost of the property’s structure and its associated systems, fixtures, and finishes will be included in the estimate. Land value is not included in the amount of insurance you buy.
Value of House Structure-
The value of your house structure should be insured for its replacement or reinstatement cost. Replacement / reinstatement cost is the cost necessary to repair or replace damaged items or structures in a manner similar to the construction of your house prior to the damage. When you insure your house structure for its replacement value, in the event of an unfortunate event, Future Generali will reimburse you for the cost of rebuilding or repairing your house, based on the size and structure of your house.
Value of Home Contents-
The best way to work out the value of your contents is to systematically go through every room and make an inventory. Don't leave anything out, whether it's a sofa set or a pair of curtains - they'd all need to be replaced if, say, there was a fire in your house.
You then need to work out how much it would cost to replace every single item on the list with a new one. The internet can help, or you might be able to find receipts and adjust for inflation. When you have a total, you should insure your contents for that amount. Don't simply guess the value of your contents: research shows that one in five households does not have enough insurance.
Just like the house structure, the contents should also be insured for replacement costs.
Earthquake and Terrorism are add on covers and can be opted as an extension to the Home insurance policy by paying an additional premium.
In simple terms, Under Insurance arises when you insure something for less than its value. In the event of a loss, you shall be at risk of being penalized in the amount you are able to recover. In these circumstances, the insurer may choose to "apply average" to the claim under an "average clause". This means that where the sum insured is inadequate, the insurer can reduce its liability for a claim by applying a proportionate approach.
Yes. If the fire damages the structure of your building, you could claim damages from the building insurance. Fire insurance only covers only damages to your house i.e the structure, and not the contents in it.
The term “first loss” refers to a form of partial insurance in which a property is insured for an amount much less than the full value of the property. This provision is only given in burglary insurance, where there is very little possibility that all items within the property would be stolen at any one given time. For e.g., if there is burglary in a large retail store, everything in the store would not be taken but only up to a certain amount would be lost, and this is what would be covered in the first loss insurance policy. The amount is calculated based on what is believed would be the biggest loss possible at a single instance of burglary.
Home insurance is a Householders' package policy for your House (owned building) and its contents. It is an umbrella policy that offers covers that are suitable for a household. eg. Fire & Allied perils; Burglary and housebreaking, Breakdown of electrical appliances etc
No, only fire insurance for building and contents and burglary and house breaking covers are mandatory.
Yes, if the house is for rent (not owned), then only contents of the house can be covered.
The home insurance policy provides protection against loss or damage to insured property due to burglary and housebreaking
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