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Personal Details

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Policy Details

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The amount mentioned in the Schedule which represents the specified percentage of the full value at risk .The First Loss Limit represents our maximum liability in event of any one claim under the Sections where Insurance is on First Loss Basis.For product detail Click Here

Standard Covers

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Electronic Equipment means the items such as TV/LCD, Computers/laptops,DVD/Music Player and/or as specified in the Schedule and which are contained or fixed at or in the Insured Premises and Used solely for Personal and household related purposes.For product detail Click Here
Value of Content .For product detail Click Here
This Section provides coverage against Accidental bodily injury directly resulting in the Death or disablement to You as per the Table of Benefits The scope of coverage shall depend on the benefit selected by You in these options 1.Basic Cover,2.Wider Cover & 3.Comprehensive Cover. Sum insured for this section is given hereunder: Total SI is Rs.100000/- divided as Basic Cover(85%) Rs 85000/-, Wider Cover(10%) Rs 10,000/- & Comprehensive Cover(5%) Rs 5000/-.
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Sum Insured of this Section covers you against loss or damage by actual or attempted burglary and/or robbery including theft during the Policy Period in respect of the following:
a) Contents or any item whilst kept in the insured premises
b) Damage to Insured Premises (including reasonable costs for damaged locks at the entry and/or exit Points) caused by actual or attempted burglary and/or theft during the Policy Period
c) Cash at Home (Only if specifically declared and mentioned in the Policy Schedule, will be a sublimit within the total sum insured of the section)
Note: Cash/Currency notes and Jewellery must be stored in a safe / locked almirah.
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Sum Insured of this Section covers damage to plate glass, frames and/or frame works due to accidental breakage during the Policy Period.
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Sum Insured of this Section will indemnify You in respect of Your Jewellery and Watches including precious stones etc whilst kept or lying in Your house or whilst worn during travelling and/or in any social function occasioned by fire, theft, robbery or any other fortuitous event.
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Sum Insured of this Section covers you against legal liability respect of Accidental Death, bodily injury, illness or disease to a domestic help under Your direct employment while working at the Premises Insured under the Policy during the Policy Period.
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Domestic Appliances means the electrical and/or mechanical equipment’s such as Water heater, Mixer grinder, Microwave/oven, Washing machine, Air conditioner, Refrigerator and/or as specified in the Schedule which are contained in or fixed at the Insured Premises and Used solely for Personal and household related purposes.
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Sum Insured of this Section covers the Accidental loss of, destruction of or damage caused to Personal baggage whilst being carried by You and/or Your insured family members anywhere in the world. For product detail Click Here
Domestic Appliances means the electrical and/or mechanical equipment’s such as Water heater, Mixer grinder, Microwave/oven, Washing machine, Air conditioner, Refrigerator and/or as specified in the Schedule which are contained in or fixed at the Insured Premises and Used solely for Personal and household related purposes.
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Sum Insured of this Section covers you against legal liability including the Defense costs incurred by you in respect of Third Party Property Damage & Third Party injury/death caused due to any negligence of Yours or Your family solely at the insured Premises named in the Policy if notified during the Policy Period. For product detail Click Here

Add-On Covers

Terrorism means an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person /group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purpose, including the intention to influence any government and/or to put the public or any Section of the public in fear.
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Plan Options×

Section Coverage Option 1 Option 2 Option 3 Option 4
 Sum Insured Sum Insured Sum Insured Sum Insured
 Fire & allied perils  Building Actual building cost Actual building cost Actual building cost Actual building cost
 Contents (Fixed) 500000 300000 200000 100000
 Terrorism (Optional  Cover) Sum Insured of Building & contents Sum Insured of Building & contents Sum Insured of Building & contents Sum Insured of Building & contents
 Burglary  Contents (Including  Cash) 500000
(Including Rs.5000/- cash)		 300000
(Including Rs.3000/- cash)		 200000
(Including Rs.2000/- cash)		 100000
(Including Rs.1000/- cash)
 All Risk  Jewellery and Watches 100000 75000 60000 50000
 Machinery Breakdown  Air conditioners 50000 30000 30000 30000
   Other Machines 100000 70000 70000 30000
 Electronic Equipments  breakdown  Electronic Equipments 100000 100000 100000 100000
 Terrorism (Optional  Cover) Sum Insured of Electronic equipment Sum Insured of Electronic equipment Sum Insured of Electronic equipment Sum Insured of Electronic equipment
 Personal Accident  Personal Accident 100000 100000 100000 100000
 Plate Glass  Plate Glass 50000 30000 20000 10000
 Workmen Compensation  Workmen Compensation 50000 30000 20000 10000
 Baggage Insurance  Baggage Insurance 25000 15000 10000 5000
 Public Liability  Public Liability 50000 30000 20000 10000
Regd & Corp Office : Universal Sompo General Insurance Co Ltd. Unit No 401, 4th Floor,Sangam Complex, 127,
Andheri Kurla Road,Andheri (E), Mumbai- 400059. Tel : 022-29211800, Fax : 022-29211844
Insurance is the subject matter of solicitation. IRDAI Registration Number - 134. CIN # U66010MH2007PLC166770. Control Number - ENG/WEBSITE/157/Feb2015.