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Future Generali Home Secure Insurance

Future Generali’s Home Secure provides all-inclusive protection for one’s biggest investment and protects the insured from all related worries of financial loss due to an unfortunate incident. Home insurance is a must to protect one’s hard earned investment in the home and everything in it.
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What does Home Secure cover?

  • This plan ensures coverage for a Home if one is an Owner or a Tenant.
  • Fire, Burglary / Housebreaking and Natural Calamities.
  • Coverage for Baggage, Plate Glass, Pedal Cycle, ATM Cash Withdrawal, Misuse of Credit Card, Veterinary Costs.
  • Losses or damages to domestic & electronic appliances, portable equipment like lap tops etc.
  • Liabilities like tenants legal liability, Domestic Workmen compensation and Public liability.

Coverages under Home Secure

Protection of assets against fire & allied perils and earthquake A.Buildings – upto Maximum Sum Insured of ₹50 lacs

B. Contents (excluding valuables) – upto Maximum Sum Insured of ₹25 lacs

Events covered include: fire, lightning, explosion/implosion, aircraft damage, impact damage from rail/road vehicle or animal, riot, strike, malicious damage, storm, cyclone, tempest, hurricane, tornado, flood and inundation, earthquake, subsidence and landslide including rockslide, missile testing operations, leakage from automatic sprinkler installations and bushfires.

There is an option of extension of coverage along with the above covers with an additional charge of premium. These extensions are optional and you can opt for these as per your requirement.
  • Cost of Alternative Accommodation
  • Loss of Rent
  • Terrorism
  • Purchase Protection>
Burglary, housebreaking and Theft Protection against the loss / damage to the contents or building of your premises by burglary and housebreaking. The contents may either be insured for a full 100% or First Loss Limits (25% or 40%). The sum insured value of contents should be on market value basis.
Protection of valuables A. Jewellery / valuables - Protection against accidental loss or damage to your jewellery or precious items including jewellery kept in bank lockers. Our liability in respect of any one item in any one policy period will not individually or in the aggregate exceed the sub-limit of the sum assured set against such item in the schedule. The list of items covered along with their value needs to be shared. Valuation certificate will be required in case:
  • If the sum insured is ₹5 lakh or more or where the value of individual items exceeds ₹10,000
  • If the value of individual items in this section exceeds 10% of sum insured or otherwise, liability shall be restricted to 10% of sum insured

B. Portable computer – All risk excluding breakdown is covered for loss or damage to portable computer / laptop by fire, riot and strike, theft or accident, from any fortuitous cause, any time during the period of this insurance and within the limits as stated in the schedule
Protection of electronic equipment A. Audio visual Equipment (electronic equipment) – All risk cover

B. Portable computer – All risk
  • List of items to be covered along with their value are to be provided
  • Sum insured is to be on reinstatement value basis
  • Losses which can be repaired will be settled by paying the repair cost without applying any depreciation. For total losses
  • Depreciation at the rate of 10% per year, up to a maximum of 50% will be applied depending on the age of the item
  • Depending on the item, a deductible is applicable for each and every claim
  • Do not insure the items which are more than five years old
Protection of household Mechanical / electrical equipment Household Appliances – Breakdown

Domestic appliances like air conditioners, refrigerators can be covered against accidental electrical or mechanical breakdown
  • The list of items to be covered along with their value to be provided
  • The value to be indicated on reinstatement value basis
  • Losses which can be repaired will be settled by paying the repair cost without applying any depreciation. For total losses,
  • Depreciation at the rate of 10% per year up to a maximum of 50% will be applied depending on the age of the item
  • Do not insure the items which are more than five years old
Protection for You and Your family Accidental compensation (Personal accident) – Death / PTD / PPD
  • The insured can cover yourself and your family members under this section
  • Details of each person along with the sum insured chosen for each person has to be mentioned
  • Sum insured is restricted to 60 times the monthly income, subject to max of ₹10 Lakh.

For working spouse, cover up to 60 times the monthly income, subject to max of 10 Lakh or 50% of sum insured for non-working spouse.

For children 1 up to 21 years of age: 25% of sum insured subject to max 2.5 Lakh.

For children 2 up to 21 years of age: 25% of sum insured subject to max 2.5 Lakh.
  • In case of Accidental Death and Permanent Total Disablement, we will compensate the insured or their nominees for the full value of sum insured as opted
  • Permanent Partial disability: In the event of accidental bodily injury causing permanent partial disability within 12 months of the accident, you will be entitled to the benefits
Protection against Your liability A. Your legal liability as a Tenant - Tenants legal liability
You can provide cover up to amount specified in schedule if you are legally responsible as a tenant for:
  • Loss of or damage to the insured premises by any of causes listed in Section-I under other than Act of God Perils (earthquake, lightning, subsidence, landslide, rockslide, storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation)

B. Workman’s compensation – domestic employees
This section covers the liability towards your workmen under the Workmen compensation act, Fatal accidents act and Common law under this section. In the section, employees having wages up to ₹4,000 can be covered.

C. Public liability
We will compensate you for the claims arising out of the third parties bodily injury or property damage occurring in your premises. This is in accordance with Indian Law.
Enhanced Protection covers A. Baggage – All risk
  • Loss of your baggage during your trip can be covered under this section
B. Plate glass – All risk
  • Fixed plate glass can be covered against accidental breakage
  • Details of the plate glass along with the value to be provided
C. Pedal Cycle
  • Pedal cycles can be insured against all risks subject to standard exclusions
  • Third party liability arising out of the use of pedal cycle is also covered
ATM Cash Withdrawal – All risk
  • This section covers loss of money in transit after withdrawal of money from ATM caused by robbery / hold up during your way to residence or office up to specified sum insured in the schedule
Credit card / Debit card (loss or Theft) – Fraudulent Use
  • If the credit card or other automatic teller machine card is lost or stolen during the period of insurance and the insured is legally liable to pay for credit given to anyone who has found or stolen your card during the period of insurance, we will pay up to amount mentioned in the schedule for any one occurrence of loss or theft of one or more of your cards.
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ONLINE CHAT

  • Address
  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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