What is covered by the Householder's Insurance policy?
The Householder's Insurance policy is designed to cover risks and contingencies faced by householders under a single package policy. It provides protection for property and interests as well as legal liability of the insured and his/her family members who permanently reside with the insured. 

Are electronic items covered under the Householder's Insurance policy?
NO. Electronic items, computers and their peripherals, dish antennae are not covered under the Householder's Insurance policy. A separate Electronic Equipment policy must be implemented to provide cover for them. 

What the Premium rate for the Householder's Insurance policy?
The premium rate for the Householder's Insurance policy is calculated at 0.65 per thousand rupees value of the Capital Sum Insured. The Capital Sum Insured is derived at the time of commencement of the policy from the Market Value of the property. 

What are the exceptions against cover within the preview of the Householder's Insurance Policy?
Under Section 1 (B) the Householder's Insurance policy, any loss or damage suffered to the following is treated as an exception and cannot be claimed.

Consumable articles
Money
Securities
Stamps
Stamp collection
Bullion
Livestock
Motor vehicles
Pedal cycle
Deeds
Bonds
Bills of exchange
Promissory notes
Shares
Books
Manuscripts
Loose precious stones
Jewellery and valuables 


What are the exceptions for cover towards Plate Glass under the Householder's Insurance policy?
Under Section 4 of the Householder's Insurance policy, the exceptions for cover of Plate Glass are 

Breakage during removal
Alterations and/or repairs
Breakage of lettering
Frames and frameworks
Disfiguring or scratching for damage of glass other than fracture extending through the entire thickness of glass. 

What is the Rate of Premium Payable for Plate Glass under the Householder's Insurance policy?
Under Section 4 of the Householder's Insurance policy, the Premium Payable for Plate Glass is calculated at 10 percent of the Actual Value of the Plate Glass.

What is the Rate of Premium Payable for Television sets and VCRs under the Householder's Insurance policy?
Under Section 6 of the Householder's Insurance policy, the Premium Payable for Television sets and VCRs is calculated at 10.05 percent of the Market value. 

What are the perils against which Television sets and VCRs are insured under the Householder's Insurance policy?
Under Section 6 of the Householder's Insurance policy, Television sets and VCRs are insured against the loss and/or damage that might arise from 

Fire and allied perils
Burglary
Housebreaking or theft
Accidental external means and 
Mechanical or domestic breakdown 

The admissible legal liability for damage to the insured's own surrounding property due to collapse of antenna is limited to Rs.25000/- 

What is the Rate of Premium Payable for Bicycles under the Householder's Insurance policy?
Under Section 7 of the Householder's Insurance policy, the Premium Payable for Bicycles is calculated at 20.05 percent of the Actual cost. 

What are the exceptions for cover towards Bicycles under the Householder's Insurance policy?
Under Section 7 of the Householder's Insurance policy, the exception for cover of Bicycles arises if and when the bicycle is not securely locked when left attended and subjected to loss through theft or damage. 

What is the Rate of Premium Payable for Accompanied Baggage under the Householder's Insurance policy?
Under Section 8 of the Householder's Insurance policy, the Premium Payable for Accompanied Baggage is calculated at 7.5 percent of the Actual cost.

What are the exceptions for cover towards Accompanied Baggage under the Householder's Insurance policy?
Under Section 8 of the Householder's Insurance policy, the exception for cover of Accompanied Baggage arises if and when the loss arises within the Municipal limits of area where the insured resides permanently.

The other exceptions are 

Cracking, scratching or breakage
Loss caused by moths or mildew, worming
Any process of cleaning, dyeing, repairing or restoring and 
Theft from unattended cars 

What are the perils against which Accompanied Baggage is insured under the Householder's Insurance policy?
Under Section 8 of the Householder's Insurance policy, Accompanied Baggage is insured against the loss and/or damage that might arise during an accident or misfortune whilst the Insured is traveling in India.