Kshema Home Insurance Policy
A Kshema product
The Kshema Home Insurance Policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
- Protect your Home Building/Flats & Home contents from Fire & Allied Perils.
- Available to house/flat owners & tenants.
Protect your home and home content from:
- Loss of Rent and Rent for Alternative Accommodation
- Option to include Valuable contents like Jewellery, Silverware,paintings,works of art,antique items, curios etc
Protect your assets from
Frequently Asked Questions
1. What is Kshema Home Insurance Policy?
2. Who can take the Kshema Home Insurance Policy?
3. Can I opt for any Add On Cover under the policy?
Yes, you can opt for Add on as listed below
1. Lightning
2. Explosion/Implosion
3. Aircraft Damage
4. Riot, Strike, Malicious Damage
5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
6. Impact Damage
7. Subsidence and Landslide including Rockslide
8. Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
9. Missile testing operations
10. Leakage from Automatic Sprinkler Installations
11. Bush fire
12. Loss of Rent and Additional Expense of Rent for Alternative Accommodation
13. Valuables Contents
14. Earthquake
15. Costs for removal of debris
16. Professional fees
17. Burglary
4. Do I need to pay any amount from my pocket at the time of claim?
5. How do I register a claim in Home Insurance policy?
6. What is the maximum Policy Period Under Kshema Home Insurance Policy?
7. How do I get the premium quotation for Kshema Home Insurance Policy?
8. What if I sell the property during the Home Insurance policy period?
9. Why would I require Kshema Home Insurance Policy if I live in a rented property?
10. Is there any long term discount for this policy?
| Policy Duration | Discount(%) |
| 5 to 10 years | 10% |
| 11 to 15 years | 20% |
| 16 to 20 years | 30% |
| 21 to 25 years | 35% |
11. Is my home insured if my wife uses a part of it (room) for conducting coaching classes?
12. Is Free Look Period available under this policy?
13. Is Grace Period available under this policy?
14. Is there any provision to revise the Sum Insured during the policy?
15. How can I claim insurance?
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- Coverage for homes, shops, and small businesses.
- Policies that safeguard against fire, lightning, and allied perils.
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