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  • Bajaj Allianz Home Insurance

    Bajaj Allianz Home Insurance
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    Policy Coverage

    Customer Service

    Plan Options

    Claim Experience

    People love their homes as it one of the few places in the world where they can be their true selves. It is a place where they are nurtured and also spend quality time with their families and friends. Thus, it is not surprising that people are very attached to the belongings of their homes and try their best to protect them by taking a wide range of security measures. These days, many people also opt for a home insurance policy to secure their homes and belongings against the uncertainties of life. Bajaj Allianz Home Insurance can be the ideal option for those who are looking for a comprehensive home insurance policy. Bajaj Allianz is a reputed insurance company that offers a wide range of insurance products to customers.

    Bajaj Allianz Home Insurance Policies

    Bajaj Allianz offers 3 different types of insurance policies that cater to the needs of all kinds of customers. They are as follows:

    My Home Insurance Cover

    If you want to provide your home with protection against all kinds of unforeseen incidents, this is the insurance policy you should opt for. It offers comprehensive coverage against a wide range of risks such as burglary, fire, natural calamities etc. It comes with 3 different plans, which are: Agreed Value Basis, Reinstatement Value Basis and Indemnity Basis. You can choose a plan that suits your needs the most.

    Features and Benefits of Bajaj Home Insurance
    • It offers complete protection for properties, their contents and the interests of the insured individuals along with members of their family.
    • It provides protection to your home against losses from burglary, natural calamities and fire.
    • It comes with attractive rebates and affordable premiums.
    • It offers coverage for works of art, jewelry and other valuables.
    • It comes with many add-ons that can help you customize your policy and increase its coverage.
    • It comes with benefits for renting an alternate accommodation.
    • It comes with policy periods of 1, 2 and 3 years.
    Bajaj Allianz House Insurance Add-Ons
    • Loss of rent cover
    • Keys and locks replacement cover
    • Temporary resettlement cover
    • ATM withdrawal robbery cover
    • Public liability cover
    • Dog insurance cover
    • Employees compensation cover
    • Lost wallet cover
    Exclusions
    • Non-disclosure of information about any material, misdescription or misrepresentation
    • Pre-existing damages
    • Manufacturing defects of electronic, mechanical and electrical items
    Eligibility
    • Owner and occupant of an independent house/ flat/ apartment that is aged less than 30 years and is not of kutchaa construction can opt for this policy to insure the structure and/or its contents.
    • Tenants and other occupants (non-owners) of a residential structure can opt for this policy to insure its contents.

    House Holders Package Policy

    It is an insurance policy designed to protect your house and its contents against the uncertainties of life such as fire, natural calamities, burglary etc.

    Features and Benefits
    • It comes with affordable premiums
    • It offers attractive rebates to the policy holders.
    • It offers protection for properties, electronic and domestic appliances and the interests of the insured individuals along with members of their family.
    What is covered?
    • Fire & Allied Perils
    • Jewelry & Precious Items
    • Burglary & Theft
    • Electronic Equipment & Domestic Appliances (breakdown)
    • Baggage
    • Pedal Cycles
    • Plate Glass
    • Workmen’s Compensation/ Personal Liability
    • Personal Accident Insurance
    Exclusions
    • Jewelry, valuables and precious items
    • Consumable items
    • Loss or damage caused by wear and tear, and depreciation
    • Mobile phones or communication devices
    • Consequential loss or description

    Please read your policy document carefully to get a fair idea of the coverage and exclusions of your home insurance policy.

    Easy Householders Package Policy

    This is a Bajaj house insurance policy which provides basic protection to the contents of your home. It is a simplified policy that lets you choose from 3 different plans that are customized to meet your needs.

    Features and Benefits
    • It comes with affordable premium packages.
    • It offers a combination of necessary covers.
    • It comes with an easy claims and settlement process.
    What is covered?
    • Fire & Allied Perils
    • Burglary & Theft
    • Electronic Equipment & Domestic Appliances (breakdown)
    • Baggage
    Exclusions
    • Jewelry, valuables and precious items
    • Consumable items
    • Loss or damage caused by wear and tear, and depreciation
    • Mobile phones or communication devices
    • Consequential loss or description

    Please read your policy document carefully to get a fair idea of the coverage and exclusions of your home insurance policy.

    Bajaj Home Insurance Claims Process

    In order to make a claim, you need to submit a duly filled copy of the Claim Form along with other required documents. The claim form can be downloaded from the website of Bajaj Allianz.

    In case you suspect that household items have been damaged in transit, please insist on open delivery and obtain certificate from the carrier as you need it to make the claim. You can call the customer service team of Bajaj Allianz to obtain information about the required documents for initiating the claim process.

    FAQs

    1. I live in a rented apartment. Can I opt for Bajaj Allianz Home Insurance policy?

      Yes, you can opt for a home insurance policy from Bajaj Allianz to insure the contents of your house.

    2. My house is 42 years old. Am I eligible to apply for a home insurance policy?

      No, the age of your house should be less than 30 years to apply for a home insurance policy with Bajaj Allianz.

    3. I want a home insurance policy that covers jewelry and valuables. Which policy should I opt for?

      You can opt for the My Home Insurance Cover policy as it covers jewelry and valuables.

    4. Does the House Holders Package Policy provide coverage for mobile phones?

      No, this policy does not provide coverage for mobile phones.

    5. Can you please tell me about the coverage provided by the Easy Householders Package Policy?

      The Easy Householders Package Policy provides coverage for the following:

      • Fire & Allied Perils
      • Burglary & Theft
      • Electronic Equipment & Domestic Appliances (breakdown)
      • Baggage

    Related Home Insurance Articles

    News About Bajaj Allianz Home Insurance

    • Bajaj goes affinity-mkt way to trade home insurance

      Bajaj Allianz general insurance seeks to push home insurance schemes that safeguard both the building as well as contents in it. They believe that affinity marketing is the way onward to cash in on the home insurance business. It is associating itself with various brands in the home content arena to push home insurance and get more clients. Normally organizations package home insurance with housing loans, for which they have partnership with lenders and home finance firms. Bajaj Allianz has gone one step ahead to design schemes that protect building and contents. Dulux, the leading decorative paint marque of AkzoNobel India, is one such tie up. Others will entail some of the topnotch names in furniture, home décor, jewelry, gadgets and customer durables. Though folks are conscious of the threats of an unfortunate event concerning home and household items, few safeguard the contents.

      19th November 2015

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