Reliance Householders' Package Policy
A home is a place where one comes ultimately to every day. It is therefore the safest place to be in. Thus, it is extremely vital to ensure the safety of this very place. Reliance understands this importance of a house, and therefore has an extremely useful policy that ensures complete safety of one's house.
They offer you the option to take cover for the chosen content at the amount it would cost you to replace that particular item (reinstatement value) or the amount the current market value of the product in case of a loss. Reliance Householders' Package Policy gives you comprehensive cover for your home and its contents at a reasonable premium. They also provide educational grants for dependent children and protect your home in case of theft., burglary, fire, earthquake and many more perils.
Features
Comprehensive Cover
- Reliance Householders' Package Policy gives you comprehensive cover for your home and its contents at a reasonable premium.
- It covers your home against burglary, fire, earthquake etc.
- Within the house it will provide cover for valuables, electronics, glass items, and just about anything you wish
Flexibility in choosing the cover
- The policy gives you the option to choose the amount of cover.
- You can also choose the contents of your home that you would like to be covered.
- We also offer you the option to take cover for the chosen content at the amount it would cost you to replace that particular item (reinstatement value) or the amount the current market value of the product.
Attractive Discounts
- We offer you discounts on the premium depending on the number of covers you choose.
- If you choose a higher number of covers we shall offer you a more attractive discount. Can be give more details here?
- You can also get discounts if you have a favourable claim history.
Policy Coverage
This policy gives you cover under various heads. Of these, cover against fire and allied perils is compulsory. You can choose any two of the other covers to complete the policy.
- Fire and Allied Perils – This section covers the structure and contents of your home, against fire and other natural and manmade disasters including earthquake.
- Burglary and Housebreaking – The policy provides cover against the loss or damage to the contents of your home against burglary and housebreaking.
- All Risk Cover – Jewellery has both intrinsic and sentimental value. We provide all risk cover to your jewellery and valuables anywhere in India.
- Domestic Mechanical and Electrical Appliances – Under this section we provide coverage to electrical and mechanical appliances in your home against mechanical and electrical breakdown.
- Domestic Electronic Appliances – We also insure your electronic appliances against all risks. These appliances include your personal computer with accessories such as printers.
- Television Set – The policy can provide cover for loss or damage to the television set in your home.
- Fixed Plate Glass – Glass is fragile so we cover loss or damage to fixed plate glass in your home due to accidental damage.
- Baggage – So that you travel with ease, we provide coverage to your personal baggage on your journey in India.
- Pedal Cycle – This policy also covers loss or damage to your pedal cycle.
- Personal Accident Cover – This special cover provides for compensation in the unfortunate event of accidental death or disability. In case of a death we provide for the cost of carriage of the dead body.
We also provide for education grant for dependent children
- Legal Liability to domestic servants – Under this section, we protect you against the compensation that may need to be given to the domestic servants for accidents arising out of and in the course of employment.
- Legal Liability to third parties – We also cover you against legal liability to third parties.
Exclusions
At Reliance General Insurance, we would like our policy to be as transparent as possible. To ensure that you do not face any unpleasant surprises when you make a claim, we would like you to know some of the major exclusions under the policy.
The policy will not cover loss or damage to the insured property due to:
- War and nuclear perils
- Pollution or contamination
- Spoilage
- Volcanic eruption or other convulsions of nature
- Change of temperature resulting in damage of stocks
- Consequential effects of the specified perils