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Overview

Householder’srnPackage Policy provides a comprehensive home insurance cover that is customizedrnto safeguard your home and priced possessions. It combines various covers andrnbenefits into one single package.  Thisrnpolicy gives you the flexibility to choose the amount of cover and what contentsrnneed to be covered. 

Coverage

Covers structure and contents of house. Coversrnburglary and housebreaking, domestic electrical appliances, fired and alliedrnperils, baggage, personal accident, legal liabilities towards servants andrnthird parties.

About Householders’ Package

Key Benefits

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Reliance Householders' Package Policyrngives you comprehensive insurance cover for your home and its contents at arnreasonable insurance premium along with added incentives as below: 

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  • No documentation, get your policy immediately
  • The policy covers both structure and /orrncontents of your home
  • It covers your home against burglary, fire,rnterrorism
  • Within the house it will provide cover forrnvaluables, electronics, and just about anything you wish
  • Provides house insurance policy coverrnfor self-owned houses as well as content of rented houses 
What does the policy cover? 

Reliance Home Insurance Package policy gives you coveragernunder various heads. Check out our new products and please do follow the simplernand easy steps for premium calculation. We promise to save a lot for you inrnreturn of your precious time spent with us.

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This policy gives you cover underrnvarious heads. Of these,rncover against Fire and Allied Perils is compulsory. You can choose any two of the otherrncovers to complete the house insurance policy.

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Firernand Allied Perils

  • Coversrnthe structure of your home: Torndetermine the Sum Insured (SI) of your house, multiply the built up area ofrnyour home with the current construction cost per sq. feet. Cost of land shouldrnnot be included in the SI, while, the cost of construction of compound wallrnshould be added but Maximum Sum Insured you can opt for is Rs. 25 Lakhs.
  •  Coverrnagainst contents of your home other than jewellery: Thisrnsection covers your furniture durables, clothes, utensils, etc. - againstrnlosses arising out of fire, lightning, explosion/implosion, aircraft damage,rnriots, strike, subsidence, landslide, flood and inundation, earthquake, impactrndamage, terrorism etc. Coverage for household goods against this risk is compulsory.
  • Coverrnfor jewellery and valuables: YourrnValuable assets like gold and silver jewellery, precious metals/stones, can berncovered against loss or damage due to accident or misfortune, while presentrnwithin the premises covered under the policy only. Sum Insured for Jewelleryrnwill be limited to maximum of 25% of the Sum Insured of "Fire & AlliedrnPeril – Other contents" subject to maximum of Rs. 2 lakhs.
  • Coveragernagainst fire: Bothrnterrorism and earthquake covers are inbuilt in RGICL Householder Packagernpolicy.

Burglaryrnand Housebreaking 

  • Compensationrnagainst the loss or damage to the contents of your home against burglary andrnhousebreaking: Yourncan cover your household goods against burglary, housebreaking, theft andrnlarceny up to 2 lacs.
  • Coverrnfor jewellery and valuables: YourrnValuable assets like gold and silver jewellery, precious metals/stones, can berncovered against burglary, housebreaking, theft and larceny. Sum Insured will bernequal to the Sum Insured selected for the Fire & Allied Peril – Jewellery.

DomesticrnMechanical and Electrical Appliances 

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Coveragernfor Mechanical and Electrical appliances in your home against mechanical andrnelectrical breakdown which are up to 10 years old: 

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Optionsrnto choose the contents as well as value of the contents that you would like tornbe covered under different sections are:- 

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For Domestic Electrical and Mechanicalrnappliances

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1.      rnMicrowave

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2.      rnWashing Machine

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3.      rnAir conditioner

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4.      rnRefrigerator

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5.      rnVacuum Cleaner

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ForrnDomestic Electronic Appliances

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1.      rnMusic System

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2.      rnDVD Player

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3.      rnComputer-PC

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Valuation of the appliances for thernpurpose of Sum Insured will be equal to current Replacement value, i.e.rnpurchase value of new appliance of the same model.

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Coveragernfor your personal computer with accessories such as printers:

rnThis section covers electronic equipment like Computers, Music System rnother domestic electronic appliances in the house against fire & alliedrnperils, burglary, breakdown etc. Please note that Mobile phones, iPods, Laptopsrnand Tablet Computers are excluded from cover.

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Coverrnfor loss of television set: 

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Ifrnyou have more than one television sets in your home, than consider total valuernof all the television sets while selecting Sum Insured for this section.rnVarious types of Television Set include:

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1.      rnLCD

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2.      rnLED

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3.      rnPlasma Screen

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4.      rnFlat Screen

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PersonalrnAccident

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This section provides compensationrntowards accidental Death or Permanent Total Disablement following an accident,rncovering you and your family members (aged from 5 to 70 years).

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Family Package covering you and your familyrnmembers residing permanently with you, will be offered on the following lines:

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 1. Maximum Sum Insured for selfrnand/or spouse if earning, can be the sum insured opted for "Fire andrnAllied Peril – Other Content" for each person.

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 2. If Spouse is not earning,rnthan Sum Insured for non-earning spouse will be 50% of the earning member orrnRs. 1 lakh, whichever is less.

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Children, if aged 5 years to 25 years,rnthen the Sum Insured for them will be 25% of the earning member or Rs. 50,000/-rnwhichever is less, per child.

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