House Holders Insurance Policy - National Insurance

The house holder insurance policy is a comprehensive bundled policy specially designed for contingencies encountered by house holders comprising of 10 detailed sections. The house holder insurance policy can be issued to homeowners, tenants of flats, housing societies, apartments, bungalows, row houses in rural/semi-urban and urban (including metro) cities. Along with this, the sum insured on house holder insurance cover should be 100% of VAR (value at risk).

Apply Now

Highlights
Features
Disclaimer
Coverage
Exclusions
Claims Procedure
Important Documents

House Holders Insurance Policy - National Insurance : Highlights

Section-1A, Building ,Fire & Special perils & Eq.	Covers loss or damage to building and contents against perils mentioned in our Fire & Allied perils. The insurance by this policy applies also to contents temporarily removed and during transit as accompanied baggage anywhere in India to other premises used for temporary residence wherein the insured shall have placed any of such property in safe during his temporary absence from the insured premises during any period not exceeding in the aggregate, one hundred and twenty (120) days in any one period of insurance, provided that the liability of the company in respect of property so removed shall not exceed one tenth (1/10) of the total sum insured under this section.
Section-1B, Stock & FFF, Fire & Special perils & Eq
Section-II, Burglary	Covers loss or damage to property by theft following burglary or house breaking/dacoity/robbery as per our Burglary policy excluding money & valuables). Extension available above is also available under this section too.
Section-III, All Risk for Jewellery/Valuables	Covers loss or damage to jewellery, Mobile phones, valuables caused by accident or misfortune anywhere in India.
Section-IV, Plate glass	This section covers loss or damage to fixed plate glass in insured premises by accidental breakage as per Plate Glass policy.
Section-V, Breakage of Domestic Appliance	This section indemnifies loss or damage to domestic appliances caused by and/or solely due to mechanical and/or electrical breakdown.
Section VI, Television Sets	Indemnifies: Loss/damage to Television Set/VCR/VCP in insured premises by Fire and allied perils, burglary, theft, accidental means. Legal Liability up to Rs.25,000. Damage to Insured property caused by breakage of antenna fittings up to limit of Rs.3000.
SECTION VII - PEDAL CYCLES	Covers loss/damage to pedal cycle belonging to insured by Fire & allied perils, burglary, housebreaking, burglary, theft, accidental means. Legal Liability up to Rs.10000/-
SECTION VIII: BAGGAGE	The company will indemnify the insured and/or such members of his/her family as are permanently residing with him/her in respect of personal baggage accompanying the insured and/or his family members belonging to him/her or for which he/she is responsible whilst traveling anywhere in India whilst on tour on holidays employees. lost , destroyed or damaged by accident or misfortune
SECTION IX: PERSONAL ACCIDENT	If the insured or such members of his/her family permanently residing with him/her all between the age of 16 to 65 years named in the schedule shall sustain bodily injury solely and directly caused by accidental violent external and visible means resulting in death or disablement as stated in our Personal Accident policy.
Terrorism(Section I sum Insured )	As per coverage under GIC Pool. Pl. refer our Standard Fire and Special Peril Policy.

House Holders Insurance Policy - National Insurance : Features

The House Holder policy is a comprehensive bundled policy specially designed for contingencies encountered by House holders comprising of ten sections. It can be issued to home owners, tenants of flats, housing societies, apartments, bungalow, row houses in rural/semi-urban and urban (including Metro) cities. Sum insured should be 100% of VAR.

House Holders Insurance Policy - National Insurance : Disclaimer

Bank of Baroda is authorized by the Insurance Regulatory and Development Authority to act as a Corporate Agent from 01/04/2022 to 31/03/2025 for procuring or soliciting business of Life insurance, General insurance & Standalone Health insurance under Registration Code CA0004". Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read the sales read sales brochure carefully before concluding a sale. The purchase of Insurance products by Bank of Baroda customers is purely on a voluntary basis. The insurance products are underwritten by the respective insurance company. Bank of Baroda does not perform any insurance e-commerce activity on its website. The contract of insurance is between the insurer and the insured; and not between the Bank and the Insured.

House Holders Insurance Policy - National Insurance : Coverage

As mentioned in the policy sections applicable

House Holders Insurance Policy - National Insurance : Exclusions

As mentioned in the policy sections applicable

House Holders Insurance Policy - National Insurance : Claims Procedure

The insured shall upon the occurrence of any event giving rise or likely to give rise to a claim under this policy

In the event of theft lodge forthwith a complaint with the Police and take all practicable steps to apprehend the guilty person or persons and to recover the property lost
Give immediate notice thereof to the company and shall within fourteen (14) days thereafter furnish to the company at his own expense detailed particulars of the amount of the loss or damage together with such explanation and evidence to substantiate the claim as the company may reasonable require
If the insured or any partner, director or member of the managerial staff or employee of the insured sustain any bodily injury in respect of which a claim is or may be made hereunder prompt written notice thereof shall be given to the company as soon as possible but in any event within fourteen (14) days of the date of injury
The insured shall upon the occurrence of any event giving rise or likely to give rise to a claim under the policy, give immediate notice thereof to the company and shall forward to the company forthwith every written notice or information of an verbal notice of claim and shall send to the company an writ, summons or other legal process issued or commenced against the insured and shall give all necessary information and assistance to enable the company to settle or resist any claim or to institute proceedings