Universal Sompo Householders Insurance

A flexible coverage plan helps you safeguard your biggest investment of life by ensuring peace of mind. Backed by trusted Indian banks and Japan’s Sompo insurance, it provides stability, a smooth claim process, and optional add-ons making it a practical choice for anyone who wants to secure their home from unforeseen circumstances. 

These are some features of Universal Sompo Householders Insurance policy:

1. Within a single policy, the home and all properties within it are protected. 

1. It provides broad and flexible coverage options at premium insurance rates. 

1. With comprehensive add-on options, everything from jewellery to electric equipment can be protected. 

Coverage Under Universal Sompo Householders Insurance

The Universal Sompo Householders insurance policy provides a wide range of protection and has different sections like: 

Exclusions Under Universal Sompo Householders Insurance

These are the damages that are not covered under the insurance policy:

1. Damage caused to money cheque, stamps and currency. 

1. Damage caused by theft by one of the insured’s family members. 

1. Damage and loss of motor vehicles, cycles and livestock. 

1. Loss due to normal wear and tear, gradual deterioration, rust etc. 

1. Intentional damage or when damage is caused by gross negligence. 

1. Mobile phones and other such gadgets are not covered. 

The personal accident has some exclusions such as:

1. Self-inflicted injury or harming oneself intentionally 

1. Accidents under influence of liquor or drugs 

1. Engaging in illegal acts or violating law. 

1. Insurance does not cover risky activities such as air ballooning, aviation, trial runs etc. 

1. Any complications related to pregnancy, childbirth or miscarriage. 

1. Damage due to war, invasion or attacks by foreign enemies are not covered. 

1. Pre-existing disability or illness are not insured 

1. Sexually transmitted diseases like HIV and AIDS are not covered. 

1. Unnecessary hospital stay that is not recommended by doctor. 

The workmen compensation has some inclusions such as:

1. Any liabilities, fines and penalties assumed by government. 

1. Liabilities related to motor vehicles, aircraft, spacecraft. 

1. Deliberate non-compliance with statutory provisions. 

1. Any interest imposed with the Workmen’s Compensation Act. 

The baggage cover exclusions include:

1. Theft from cars except from securely locked cars. 

1. Loss and damage occurred in transit by carrier under contract of affreightment. 

1. Loss/damage to valuables like jewellery, travel tickets etc. 

1. Things that can be consumed are not covered. 

The plate glass cover exclusions:

1. Damage caused during removal, repairs, alterations or removal of glass. 

1. Damage other than fracture through entire thickness of glass. 

Other general exclusions:

1. Seepage losses from walls, ceilings unless specified. 

1. Damage in stocks due to change in temperature. 

1. Volcanic upsurge. 

1. Damage from contamination or pollution. 

1. Undertaking a home business and its equipment are not covered. 

1. Damage to home caused by rodents. 

Ways to Apply for Universal Sompo Householders Insurance

Further information about application for the Universal Sompo Householders Insurance can be obtained by the following means: 

1. Mail your queries at email id contactclaims@universalsompo[dot]com or contactus@universalsompo[dot]com 

1. Or you can visit any of the nearest Universal Sompo’s branch and get all the details.