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Types of Shriram Home Insurance

Purchasing Shriram Home Insurance online is an easy and stress-free process with our digitalfriendly platform. Shriram Home Insurance policy offers a wide range of coverages depending on the scope of the chosen policy

Home Building Only Cover

Home Building cover can be purchased by the owner, tenant and lessee to protect their building against various damages

Purchase Home Building Only Cover, if someone

Owns the structure
Occupy the home as purchaser under an agreement of sale
An authorized occupier of the home or a tenant under an agreement in writing and are liable for insurance
Structure is occupied by a tenant, a licensee and an employee
Man-made Disasters

Home (Building & Contents) Cover

Home (Building & Contents) policy cover provides coverage against Home Building and Home Contents from any unforeseen incidents such as fire, burglary/theft, natural and man-made disasters

Purchase a Home (Building & Contents) Cover, If someone

Own the structure and articles
Occupy the home as a purchaser under an agreement of sale
An authorised occupier of the home, a tenant, a lessee, a licensee, an employee, etc.
Purchased the articles or things under instalment or hire purchase system or on a lease

Home Contents Only Cover

A tenant, lessee, licensee or employee can purchase the Home Contents Cover to protect the belongings of the property against various unfavourable incidents

Purchase Home Contents Only Cover, If someone

Own the articles or things
Purchased the articles or things under instalment or hire purchase system or on a lease
Responsible for the articles or things as part of the written policy contract

Shriram Home Insurance Add-on Covers

Cover for Valuable Contents on Agreed Value Basis (under Home Contents Cover)

This add-on policy covers valuable content such as jewellery, silverware, paintings, artworks, etc. If valuable contents are physically damaged by any insured event, the cost of repairing the item will be paid by the insurer

Personal Accident Cover

If the insured event that caused damage to the home or its contents resulting the death of the insured person or their spouse, compensation of 5 Lakh will be paid to each person

Burglary/House Breaking

Burglary policy covers any loss or damage that occurs due to burglary or house-breaking (theft following upon an actual forcible and violent entry/exit from the premises) or damage caused to the premises

Employee’s Compensation

According to the Employee Compensation Act, 1923, the employer provides the compensation payment to their employees (for their dependents in the event of fatal accidents happening on the insured premises) With this employee compensation add on, the insurer will be taking the responsibility of paying the compensation to the affected employee (T&C apply)

Plate Glass and Sanitary Fittings

The plate glass covers, if there is an accidental breakage of any of the glass or sanitary fittings mentioned in the policy guidelines. In such cases, the insurer will pay the reinstatement value of a glass plate as per the sum insured

All Risk

All-risk policy covers laptops, mobiles and other valuable items like jewellery, cameras and items of similar nature that are exposed to losses due to an accident

Breakdown of Electrical and Mechanical Appliance

We often go through incidents in our daily life such as electrical and mechanical appliances breakdown. Whereas, having Home Insurance can help to overcome these losses under the Breakdown of Electrical and Mechanical Appliance coverage

Electronic Equipment Insurance

All electronic equipment like computers, medical, biomedical, microprocessors, audio/visual equipment will be covered by this add-on

Baggage

The policy pays for the loss of or damage to luggage caused by an accident, a break-in, a theft or a personal mishap while the person is on a trip anywhere in the territory covered by the policy

Public Liability

Under the public liability cover the company indemnifies the insured against their legal liabilities such as personal injuries, loss or damage to property and insured’s death to pay compensation including claimant's costs, fees and expenses anywhere in India, in accordance with Indian Law

Frequently Asked Questions

If three people share an apartment, can each one take a separate policy?

Yes, each can buy a separate policy for the protection of their own assets against various unforeseen incidents

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Blogs

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Posted on 2024-11-07 10:25:32

As a responsible car owner, one prefers to choose the most suitable Car Insurance plan to protect one’s vehicle. In this context, it is useful to know that a 3-year Car Insurance Policy provides not only security but also benefits over the long term. In this blog, we will discuss the multiple benefits of choosing 3-year vehicle insurance coverage, enabling you to make an informed decision about whether it is the right choice for you.

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Is a Long-Term Car Insurance Policy Right for You?

Posted on 2024-11-06 10:44:24

Managing Car Insurance renewals on an annual cycle may be tedious, not to mention the potential risk of change in premiums with each renewal. A long-term Car Insurance Policy is an effective alternative that provides coverage for multiple years with a single upfront premium payment. This kind of policy is gaining preference in India, with insurers introducing multi-year Car Insurance packages that combine both third-party and comprehensive coverage. These plans guarantee both ease and financial security by locking in premium rates and removing the need for yearly renewals. But is a long-term policy the right option for everyone? In this article, we'll look at how these plans work, what the benefits are, and whether long-term Car Insurance is right for you.

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