"Home sweet Home" - a destination, any individual or a family feels very close to the heart. It is an investment of one's lifetime savings, emotional dreams and aspirations to realize their ideal home. Home signifies a set of emotions for any individual, be it pride, ownership, stability or be it a sense of belonging. It echoes the owners' sentiments "It's my house".

After all, one's Home including its contents is the single most important and expensive asset that we have created for ourselves. We have learnt to value life and health sufficiently to understand the importance of insuring it. But when it comes to applying the same logic to our home (around which our lives revolve) most of us suffer a blind spot. It is only when a calamity or catastrophe strikes that we feel helpless.

Home Insurance provides exactly the care one needs at such times - to safeguard against unforeseen eventualities and to preserve one's lifestyle and that too at an affordable price. You can protect your priceless investment for very little money. Assuming you have possessions worth Rs. 300,000 in your house, you can insure those possessions for as little as Rs. 3 a day - for Fire, Natural Hazards (Flood, Earthquake etc) and Burglary & Theft.

TATA AIG's HomeSecure takes the bother out of insuring your home. No unnecessary paperwork or awkward questions. Just smooth sailing all the way.

Our Products

Personal effects and household goods belonging to individual householders can be covered under this Insurance. It covers under single policy a number of risks.

FIRE COVER
This policy covers against fire and some special perils listed below. Its attraction is the fact that it gives you this cover for surprisingly little money.

Features What is this for?
This policy covers buildings (RCC construction) and your household contents. Building value should be equal to present day cost of reconstruction, while contents should be insured for their market value.
Rate of Premium : Rs. 0.50 per mille.

Cover Includes
Perils Covered

1. Fire
2. Lightning
3. Explosion / Implosion
4. Riot, Strike and malicious damage (RSMD)
5. Flood, Storm, inundation
6. Aircraft Damage
7. Impact Damage by any rail/road vehicle or animal (other than damage by own vehicle)
8. Landslide, rockslide
9. Bursting and overflowing of water tanks, apparatus pipes.
10. Missile testing operations
11. Bush Fire
12. Earthquake & Terrorism can be taken as add-on covers by paying extra premium

It is important that you take care to adequately insure your property. In case the actual value of insured property at the time of loss under Fire Benefit is found to be greater than the sum insured opted by you, then the claim would stand to be reduced in the same proportion.

Exclusions

1. Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.
2. Loss, destruction or damage directly or indirectly caused to the property insured by: a. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. b. The radioactive, toxic, explosive, or any other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
3. Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10, 000, manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer systems, records, explosives unless otherwise expressly stated in the policy.
4. Loss, destruction or damage to any electrical machine, apparatus, fixture, or fitting arising from or occasioned by overrunning, excessive pressure, short circuiting, arcing, self heating, self heating or leakage of electricity from whatever cause (lightning included) provided that this exclusion shall apply only to the particular electrical machine, apparatus, fixture, or fitting so affected and not to other machines, apparatus, fixtures, or fittings which may be destroyed or damaged by fire so set up.
5. Expenses necessarily incurred on
- Architects, Surveyors and Consulting Engineer's fees and;
- Debris removal by the insured following a loss, destruction or damage to the property insured by an insured peril in excess of 3 percent and 1 percent of the claim amount respectively

6. Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike and Malicious Damage cover.
7. Any loss or Damage occasioned by or through or in consequence directly or indirectly due to earthquake, volcanic eruption, or other convulsions of nature. 8. Loss or Damage to property insured if removed to any building or place other than in which it is herein stated to be insured, except machinery and equipment temporarily removed for repairs, cleaning, renovation or other similar purposes for a period not exceeding 60 days.

*For complete details, please refer to the policy wordings.

PRE-PACKAGED COVERAGES & SUPREME COVER

These are the six pre-packaged covers we have, to satisfy varying home insurance needs.

FIRE(Benefits Includes)

• Fire
• Explosion / Implosion
• Aircraft Damage caused by aircraft
• Riot, Strike, Malicious Damage cover
• Damages due to Impact by rail / road vehicle or animal
• Bursting and / or overflowing of water tanks, apparatus and pipes
• Missile Testing operations
• Leakage from Automatic Sprinkler Installations
• Lightning
• Loss caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
• Destruction by subsidence of part of the site on which the property stands or landslide
• Bush Fire

Cover
Building Contents
Rent for Alternative accomodation covers additional expenses on rent incurred by you in case of loss or damage to the premises caused by an insured peril rendering the premises unfit for occupation and forcing you to shift to an alternative accommodation for a maximum period of 30 days.
Impact damage by own vehicle

Public Liability
Benefits Includes
It Covers your legal liability as a householder towards other persons (third parties) and your domestic servants.
Cover
Legal liabilities to public / workmen

Burglary
Benefits Includes
It Provides automatic protection for newly purchased articles against fire and burglary up to 30days from the date of purchase.
Cover
Automatic insurance of new purchases

Purchase Protection
Benefits Includes
It Provides automatic protection for newly purchased articles against fire and burglary up to 30days from the date of purchase.
Cover
Automatic insurance of new purchases

Pedal Cycle
Benefits Includes
It covers your pedal cycle comprehensively against accidental damages. Additionally it also covers liability towards third party injury and/ or property damage up to Rs.10,000 only.
Cover
Accident, damage, theft to bicycles

Plate Glass
Benefits Includes
Securely fixed plate glass (e.g. windows) is covered against accidental loss or damage resulting into breakage.
Cover
Damage to fixed glass

Baggage
Benefits Includes
Your accompanied baggage is protected even while you travel. Any accidental loss or damage and theft of personal baggage during the travel is covered anywhere in India.
Cover
Loss of personal belongings during travel

Audio Visual Appliance
Benefits Includes
It covers Fire, Burglary, Theft, Legal Liability, accidental damages and breakdowns associated with audio and audio visual equipment.
Cover
Breakdown of audio & audio visual equipments

Domestic Appliance
Benefits Includes
It covers your Refrigerator against the risk of unforeseen and sudden mechanical and /or electrical breakdown.
Cover
Breakdown of domestic appliances

Marine
Benefits Includes
In case you need to relocate to a different city or a different household in the same city, Home Secure will hold your possessions protected against loss or damage during transit in case of an accident to the carrying vehicle or if the entire goods are not delivered.
Cover
Transit cover for household goods

Personal Accident
Benefits Includes
Home Secure provides Personal Accident cover to your entire family on account of death, permanent total or partial disablement and Medical expenses and Ambulance charges up to specified limits related to and arising out of accident.
Cover
Accidental Death / PTD / PPD

Medical Expense
Cover
Hospital expenses due to accidents causing death / PTD

Ambulance Charge
Cover
Ambulance charges due to accident

Expenses for Temporary Resettlement
Benefits Includes
In case your home has been rendered uninhabitable due to fire, Home Secure covers the cost of packing and transportation (up to specified limits) of your household goods to an alternative residence.
Cover
Resettlement expenses in case rent for alternative accomodation becomes operative

Money
Benefits Includes
Dispossession of money withdrawn from a Bank branch or Automated Teller Machine (ATM) on your way back home due to robbery or hold-up.
Cover
Loss of cash in transit from bank to home

Policy Will Not Cover
For complete details, please refer to the policy document.

PRIVILEGE
This is unique, innovative product where one can insure one's most prized possessions as part of a privilege offer viz. Your car, home and life.

It is a comprehensive insurance scheme that protects you against the uncertainties of life by giving you the convenience of protecting your Home Contents and your life against accidents while taking Car insurance i.e. 3 in 1 covers under the same roof.

While Car insurance is the default insurance, the client has the option of taking the Home and/or Personal Accident cover under the same policy.