In addition to the Structure and Contents Cover, a Home Owner can opt for the following optional Add-On Covers under a Home Insurance Policy:
Burglary Cover: This Cover Provides reimbursement due to Damage or Loss to of Contents like TVs, Refrigerators, Ovens etc within the House due to Burglary or Attempted Burglary.
This Cover also provides reimbursement due to loss of expensive items Jewellery, Gold Ornaments, Silver Articles kept under Lock and Key.
Additional Expenses of Rent for Alternative Accomodation: This Cover provides Additional Expenses of Rent for Alternative Accomodation if the Home Structure is damaged due to Insured Perils like Fire, Earthquake, Storms, Floods etc.
The amount of Rent ranges from Rs35000 to Rs50000 for the period until Reconstruction is complete or for a maximum period of 24 months, whichever is less.
Cover for Jewellery, Paintings, Works of Art & Curios: This Insurance Cover pays for the Accidental Loss or Damage to Jewellery, Paintings, Works of Art and Curios provided the damage occurs whilst the Insured Jewellery, Paintings, Works of Art and Curios are lying in the Insured Home.
Also, the Cover for Jewellery, Paintings, Works of Art & Curios can be extended to Worldwide Territory on payment of Additional Premium.
Terrorism: This Cover provides Insurance against damage to the Structure and Contents of the House due to acts of Terrorism.