Long Term Home Insurance Policy

Long Term Home Insurance Policy

Arogya Sanjeevani Policy
We Protect You
  • Structure Cover

    Structure Cover

  • Earthquake

    Earthquake

  • Flood

    Flood

  • Storm

    Storm

  • Riot & strike

    Riot & strike

  • Malicious Damage

    Malicious Damage

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Key Features
  • Coverage for a wide range of perils
  • Tenure: Up to 30 years
Coverage

Our long term home insurance plan covers:

Loss or damage to the home due to fire and other perils, such as:

  • Fire
  • Lightning
  • Explosion / Implosion (excluding boilers, economisers, pressure vessels)
  • Aircraft crashes
  • Riot, strike and malicious damage
  • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
  • Impact damage
  • Subsidence and landslide
  • Bursting and overflowing water tanks or pipes
  • Missile testing operations
  • Leakage from automatic sprinklers
  • Bush fires
  • Earthquake (Fire and Shock)
  • Terrorism, if you pay a little extra.
Major Exclusion
  • Loss or damage to the home owing to gross or willful negligence
  • Destruction/damage by own fermentation, natural heating or spontaneous combustion
  • Forest fires
  • War and nuclear perils
  • Theft during/after operation of the peril
  • Pollution and contamination
  • Volcanic eruption or other natural disasters
  • Burning of property by Public Authority

Important Note: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.

  • Product UIN - IRDAN144RP0010V03201112
  • Disclaimer: The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
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