by Mr.
Subrahmanyam B, Bharti Axa General Insurance
Generally,
householders insurance policies cover the following:
(1) Loss or damage to
building, fixtures, fittings and renovations due to fire as well as other
perils such as earthquake and flood.
Loss or / damage due
to terrorism can also be covered as an option.
(2) Loss or / damage
to home contents, valuables, appliances (TV, fridge, washing machine, air
conditioner, laptop), and also fragile items such as plate, glass and sanitary
ware. Such loss or damage can be due to fire and other perils and also due to
burglary.
(3) Personal accident
coverage providing for payment of compensation due to accidental death and
permanent total or partial disability of the insured person.
(4) Loss of rent if
the whole house or / parts of it become unfit for occupation following a fire
or / other perils such as flood or earthquake.
(5) Accidental death
or / theft of pedigree pets.
(6) Loss or damage to
personal baggage due to accident or misfortune while travelling in India.
(7) Accidental death
or injury of domestic servants as provided for under Fatal Accidents Act or
Workmens Compensation Act.
About the author..
Mr. Subrahmanyam B is
VP & head, health vertical and commercial lines at Bharti Axa General Insurance
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