House Holders Insurance Policy
All-Risk Single Package Policy for Home Structure, Contents & Valuables
There is no place like "Home" — it is our most valued possession and financial investment. The House Holders Insurance Policy ("My Home Insurance All Risk Policy") offers comprehensive single-package cover for building structures, household contents, jewelry, curios, and paintings against various perils.
Whether you own an apartment, independent bungalow, or reside as a tenant, Dattani Insurance provides tailored home insurance with flexible Sum Insured options (Agreed Value, Reinstatement Value, or Indemnity Basis) and inbuilt alternate accommodation rent coverage.
House Holders Insurance Policy Details & Add-On Covers
Who Can Buy This Policy
- * Owner Occupants of Flats, Apartments & Independent Buildings (under 30 years old)
- * Tenants & Non-Owners insuring Contents, Electronics, Jewellery & Valuables
- * Art Collectors insuring Paintings, Curios, Works of Art & Sculptures
Scope of Cover & Key Options
- * All-Risk Cover for Building, Contents & Jewellery under Single Policy
- * Sum Insured Options: Agreed Value, Reinstatement Value & Indemnity Basis
- * Inbuilt Cover for Additional Rent Expenses for Alternate Accommodation
- * No List of Contents required when Sum Insured is above 5 Lakhs
- * Long-Term Policy provision up to 3 Years with Premium Discounts
Key Benefits & Highlights
What Is Covered Under House Holders Insurance Policy
- Residential Flat / Apartment / Building Structure
- Household Items, Domestic Appliances & Electronics
- Jewellery, Precious Ornaments & Valuables
- Paintings, Works of Art, Curios & Antiques
- Additional Expenses of Rent for Alternate Living Accommodation
Why Choose Dattani Insurance for House Holders Insurance Policy?
With over 20 years of risk management experience led by Chief Insurance Advisor Jay Dattani (United India Insurance Co. Ltd.), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
Can tenants buy a House Holders Insurance Policy?
Yes, tenants can opt for a Contents & Valuables policy to insure furniture, electronic appliances, clothing, and jewelry without insuring the building structure.
Is an inventory list required for household contents?
No itemized list of contents is required if the Sum Insured of Contents exceeds ₹5 Lakhs, making claim declarations simple and hassle-free.
