{"uin":"IRDAN058RPPR0089V01202526","name":"NIC Homeowner (Fire) Insurance","url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"National Homeowner (Fire) Insurance Policy covers individual homeowners’ dwelling buildings, with home contents available if opted, for base fire and related perils. The policy is for 1 year and has no excess except for Terrorism Cover and Breakdown of Appliances optional cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:34:03.446524+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can only be issued for 1 year, i.e. 12 calendar months.","display":"1 year (i.e. 12 calendar months)","note":null,"quote":"The Policy can only be issued for a period of 1 year (i.e. 12 calendar months).","sources":[{"clause":"3","heading":"POLICY PERIOD and AVAILABILITY","page":1,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12815#c-3"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Immediate notice of physical loss or damage must be given to the company. The claim form must be submitted at the earliest opportunity, but within 30 days from the date the loss or damage was noticed.","display":"Immediate notice; claim form within 30 days from noticing the loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Home Building or Home Contents due to an Insured Event, Insured must immediately give notice to the Company of the loss or damage. ... Insured must submit the claim to the Company in Company’s claim form at the earliest opportunity, but within 30 (thirty) days from the date the loss or damage noticed by the Insured.","sources":[{"clause":"6(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-6-a-3"},{"clause":"6(a)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-6-a-i-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Company’s claim form","details of report to the police made by Insured","details of report to any Authority made by Insured","submit photographs of physical loss or damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by Insured for reconstruction / replacement / repairs","Any additional information"],"display":"Claim form, police/authority report details, photographs where possible, plans, specification books, vouchers, invoices and any additional information required","note":null,"quote":"Insured must submit the claim to the Company in Company’s claim form at the earliest opportunity, but within 30 (thirty) days from the date the loss or damage noticed by the Insured. ... iii) details of report to the police made by Insured,\niv) details of report to any Authority made by Insured, ... ix) submit photographs of physical loss or damage, wherever possible. ... The claim for Home Building and/or Home Contents must be supported with plans, specification books, vouchers, invoices pertaining to costs incurred by Insured for reconstruction / replacement / repairs. ... Any additional information must be given by the Insured to the Company that is require for verifying the claim.","sources":[{"clause":"6(a)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-6-a-i-2"},{"clause":"6(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-6-c-3"},{"clause":"6(b)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-6-b-i"},{"clause":"6(b)(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-6-b-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Deliberate, wilful or intentional act or omission.","Burning of property insured by order of any Public Authority.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included).","Loss, or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the Insured Event.","Premises or any Insured Property remaining continuously unoccupied for a period of more than 30 days unless have obtained prior written approval and such approval is recorded as an endorsement on the Policy.","War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear Component that is part of it.","Pollution or contamination","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable Insured Event.","Costs, fees or expenses for preparing any claim.","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","Loss or damage to any Insured Property removed from insured Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Insured Home Building than existing at the policy commencement date or on the date of renewal of this Policy, unless additional premium is paid and such addition, extension or alteration is added by Endorsement."],"display":"Deliberate acts, public-authority burning, electrical damage, spoilage, unoccupied premises over 30 days, war, nuclear/radioactivity, pollution or contamination, missing/mislaid property, claim preparation costs, specified valuables/documents/vehicles/explosives, property removed from home, consequential loss, reduction in market value, and unendorsed additions/extensions/alterations","note":null,"quote":"Company does not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:\n1. Deliberate, wilful or intentional act or omission.\n2. Burning of property insured by order of any Public Authority.\n3. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed. This exclusion can be bought back if the client opts for Breakdown of Appliances under Optional Cover.\n4. Loss, or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the Insured Event.\n5. Premises or any Insured Property remaining continuously unoccupied for a period of more than 30 days unless have obtained prior written approval and such approval is recorded as an endorsement on the Policy.\n6. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n7. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear Component that is part of it.\n8. Pollution or contamination, unless\ni. the pollution or contamination itself has resulted from an Insured Event, or\nii. an Insured Event itself results from pollution or contamination.\n9. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable Insured Event.\n10. Costs, fees or expenses for preparing any claim.\n11. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n12. Loss or damage to any Insured Property removed from insured Home to any other place.\n13. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n14. Any reduction in market value of any Insured Property after its repair or reinstatement.\n15. Any addition, extension, or alteration to any structure of Insured Home Building than existing at the policy commencement date or on the date of renewal of this Policy, unless additional premium is paid and such addition, extension or alteration is added by Endorsement.","sources":[{"clause":"5(p)(viii)","heading":"The Bank","page":11,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-p-viii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, submit in writing to the policy issuing office or the Grievance Cell at the Regional Office. If it remains unaddressed, contact National Insurance Company Limited, Customer Relationship Management Dept.","display":"Write to the Policy issuing Office or Grievance Cell at the Regional Office; if unaddressed, contact Customer Relationship Management Dept.","note":null,"quote":"In case of any grievance related to the Policy, the Insured Person may submit in writing to the Policy issuing Office or Grievance Cell at the Regional Office of the Company for redressal. If the grievance remains unaddressed, the Insured Person may contact:\nNational Insurance Company Limited, Customer Relationship Management Dept.","sources":[{"clause":null,"heading":"Clause K. Grievances","page":17,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-clause-k-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"There is no excess for the policy except Terrorism Cover and Breakdown of Appliances optional cover. For Breakdown of Appliances, the company is not liable for 1% of sum insured subject to minimum of Rs. 250/- for each and every loss; terrorism excess is as per extant GIC Terrorism Pool.","display":"No excess except for Terrorism Cover and Breakdown of Appliances (Optional Cover)","note":null,"quote":"There is no excess applicable for the Policy except for Terrorism Cover and Breakdown of Appliances (Optional Cover). ... g.3.1) 1% of sum insured subject to minimum of Rs. 250/- for each and every loss. ... In the event of Acts of Terrorism, if taken as an optional cover, the excess shall be as per extant GIC Terrorism Pool.","sources":[{"clause":null,"heading":"Detailed explanation of all above coverage is available in Clause","page":2,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12817#c-detailed-explanation-of-all-above-coverage-is-av"},{"clause":"5(g)(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-g-ii"},{"clause":"6(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-6-a-5"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time during the term by written notice. The company refunds proportionate premium for the unexpired policy period if no claims have been made during the policy period.","display":"Proportionate premium for the unexpired Policy Period, if no claims made","note":null,"quote":"The Insured may cancel his / her policy at any time during the term, by giving notice in writing. The Company shall refund proportionate premium for the unexpired Policy Period, if there is no claim(s) made during the Policy Period.","sources":[{"clause":null,"heading":"1. Cancellation by Insured at any time","page":13,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-1-cancellation-by-insured-at-any-time"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the insured property and Policy Schedule, but does not state a geographic territory of cover.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The compulsory Home Building Cover pays for physical loss, damage or destruction of the insured Home Building because of insured events. The home building includes the residential unit, permanent fixtures and fittings, and specified additional structures on the same site; the sum insured is on reinstatement value.","display":"Compulsory Home Building Cover for physical loss or damage due to insured events; sum insured on reinstatement value","note":null,"quote":"The Company covers physical loss or damage, or destruction of Insured Home Building because of any Insured Events listed in Clause B of this Policy. ... Home Building includes:\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of the Insured Home Building: ... The Sum Insured for the Home Building Cover shall be on reinstatement value and shall be the maximum amount payable in the event of Total Loss.","sources":[{"clause":null,"heading":"Clause C: Home Building Cover (compulsory cover)","page":5,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-clause-c-home-building-cover-compulsory-cover"},{"clause":null,"heading":"2. Home Building","page":5,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-2-home-building"},{"clause":null,"heading":"4. Sum Insured","page":5,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-4-sum-insured"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"General Contents cover is optional and covers physical loss, damage or destruction of general contents on Market Value Basis. Other Contents cover is optional and covers physical loss, damage or destruction of other contents on Agreed Value Basis; clothing reimbursement is limited to ₹ 1 lacs and the valuation certificate requirement for Other Contents is waived if the cumulative value does not exceed ₹ 25,000/-.","display":"Optional General Contents on Market Value Basis; optional Other Contents on Agreed Value Basis","note":null,"quote":"Company shall cover the physical loss or damage to or destruction of the General Contents of the insured Home Building on Market Value Basis caused by an Insured Event as listed in Clause B of this Policy. General Contents cover is optional. ... In case of any loss payable in respect of clothing, the maximum reimbursement shall be limited to maximum ₹ 1 lacs. ... Company shall cover the physical loss or damage to or destruction of the Other Contents of the insured’s home on Agreed Value Basis caused by an Insured Event as listed in Clause B of this Policy. Other Contents cover is optional. ... The Sum Insured of Other Contents may be agreed upon by Insured and Company based on a valuation certificate submitted by Insured and accepted by the Company. However, the Company shall waive the requirement of valuation certificate if the cumulative value of the items covered does not exceed ₹ 25,000/- (Rupees Twenty Five Thousand only).","sources":[{"clause":"5","heading":"What is payable under the policy","page":5,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5"},{"clause":"5(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-d"},{"clause":"5(c)","heading":"If any Insured Property","page":6,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-c-2"},{"clause":"5(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-a-3"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"Loss of Rent and Rent for alternative accommodation are optional covers available if opted and additional premium is paid. Loss of Rent is available for the reasonable time required to repair the home building, maximum one year (12 months), and Rent for alternative accommodation is payable up to the reasonable restoration period or maximum indemnity period of 12 months, whichever is earlier.","display":"Optional Loss of Rent and Rent for alternative accommodation, maximum 12 months","note":null,"quote":"At the option of the Insured and on payment of additional premium the following Optional Covers, described in Clause F, shall be available during the Policy Period, provided the same is mentioned in the Policy Schedule. ... This cover will be available for the reasonable time required to repair the Insured Home Building to make it fit for living. The maximum period of this cover is one year (12 months) from the date Insured Home Building becomes unfit for living. ... the Company shall, indemnify the insured against the additional rent which the insured is called upon to bear for the period beginning from the date of operation of any of the Insured Perils until the premises is rendered fit for occupation such period not exceeding such reasonable time as is required to restore the premises with due diligence to a condition fit for occupation or the maximum indemnity period of 12 months whichever is earlier.","sources":[{"clause":null,"heading":"Base Cover: (Covered Perils)","page":4,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-base-cover-covered-perils"},{"clause":"5(j)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-j"},{"clause":"5(k)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-k"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The Home Building sum insured is on reinstatement value. General Contents are on Market Value basis as declared before policy inception and printed in the Policy Schedule, while Other Contents are agreed by the insured and company based on a valuation certificate, with the certificate requirement waived if the cumulative value does not exceed ₹ 25,000/-.","display":"Building: reinstatement value; General Contents: Market Value; Other Contents: Agreed Value","note":null,"quote":"The Sum Insured for the Home Building Cover shall be on reinstatement value and shall be the maximum amount payable in the event of Total Loss. ... The Sum Insured for General Contents shall be on Market Value basis, as declared by Insured before the policy inception and printed on the Policy Schedule. ... The Sum Insured of Other Contents may be agreed upon by Insured and Company based on a valuation certificate submitted by Insured and accepted by the Company. However, the Company shall waive the requirement of valuation certificate if the cumulative value of the items covered does not exceed ₹ 25,000/- (Rupees Twenty Five Thousand only).","sources":[{"clause":null,"heading":"4. Sum Insured","page":5,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-4-sum-insured"},{"clause":"5(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-a"},{"clause":"5(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-a-3"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If the insured property is of greater value than the sum insured at the date of fire or other insured damage, the insured is treated as own insurer for the difference and bears a rateable proportion of the loss. Each item is subject separately; underinsurance may be waived up to 15% if the Waiver of Underinsurance optional cover is opted and premium paid, and it does not apply to Other Contents.","display":"Average applies; rateable proportion of loss if value exceeds sum insured, with optional waiver up to 15%","note":null,"quote":"1. If the Insured Property shall at the date of breaking out of any fire or at the commencement of any destruction of or damage to the property by any peril hereby insured against be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference and shall bear a rateable proportion of the loss accordingly.\n2. Every item of Insured Property is subject to this condition separately.\n3. Under this National Homeowner (Fire) Insurance Policy, underinsurance may be waived upto 15%, subject to the condition if optional cover \"Waiver of Underinsurance\" is opted and requisite premium is paid.\n4. Underinsurance does not applies to Other Contents.","sources":[{"clause":"5(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826#c-5-c-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording","pages":19,"fetched_at":"2026-10-17 19:50:23+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-07/POLICY%20WORDING.pdf","url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12826"},{"kind":"prospectus","label":"Prospectus Final","pages":4,"fetched_at":"2026-10-17 19:50:17+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-07/Prospectus%20Final.pdf","url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12815"},{"kind":"cis","label":"CIS","pages":4,"fetched_at":"2026-10-17 19:50:26+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-07/CIS_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526/document/12817"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"NIC Homeowner (Fire) Insurance (UIN IRDAN058RPPR0089V01202526), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/nic-homeowner-fire-insurance-irdan058rppr0089v01202526"}