{"uin":"IRDAN108RPPR0008V01202425","name":"TATA AIG Home Protect Plus Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"TATA AIG Home Protect Plus Policy covers Home Building and/or Home Contents against listed insured events such as fire, earthquake, flood, riot and theft within 7 days of an insured event. The policy can run for one year or more up to 20 years, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:24:23.47515+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":"The documents describe covers and optional covers, but do not name plan variants.","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":"You can buy the policy up to or for one year, or for more than one year up to a maximum of 20 years.","display":"Up to or for one year, or more than one year up to 20 years","note":"From the prospectus; the policy wording otherwise refers to the Policy Schedule/Certificate of Insurance for the Policy Period.","quote":"You can buy the policy up to or for one year or more than one year upto a maximum of 20 years.","sources":[{"clause":null,"heading":"How long does this policy protect me?","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16924#c-how-long-does-this-policy-protect-me"}],"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":"You must immediately give notice of loss or damage as soon as physical loss or damage occurs. You must submit the claim form at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"1","heading":"Immediate notice to Us","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-1-4"},{"clause":"4(a)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-4-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":["claim form","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/ replacement/ repairs","authority to see the relevant records and get information about the Event and Your loss from the police or any other authority","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form; photos where possible; plans, specification books, vouchers and invoices; authority for police/authority records; death certificate and post mortem report for Personal Accident where necessary","note":null,"quote":"You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/ replacement/ repairs. ... You must give Us authority to see the relevant records and get information about the Event and Your loss from the police or any other authority. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"4(a)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-4-a-i-2"},{"clause":"1","heading":"Immediate notice to Us","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-1-4"},{"clause":"5","heading":"Establish Loss","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-5-4"}],"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":["Your deliberate, willful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.","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, unless the pollution or contamination itself has resulted from an Insured Event, or an Insured Event itself results from pollution or contamination.","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 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 of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","Loss or damage to any Insured Property removed from Your 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 Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional Premium and such addition, extension or alteration is added by Endorsement.","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts; war; nuclear/radioactivity; pollution unless linked to an insured event; electrical/electronic damage from over-running or short circuit etc.; specified valuables, documents, vehicles and explosives; missing/mislaid property; property removed from home; consequential loss; reduction in market value; structural changes increasing Carpet Area by more than 10%; claim-preparation costs","note":null,"quote":"Your deliberate, willful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. ... 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, unless\ni) the pollution or contamination itself has resulted from an Insured Event, or\nii) an Insured Event itself results from pollution or contamination. ... 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. ... 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 of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event. ... Loss or damage to any Insured Property removed from Your 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 Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional Premium and such addition, extension or alteration is added by Endorsement. ... Costs, fees or expenses for preparing any claim.","sources":[{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-1-2"},{"clause":"2","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-2"},{"clause":"3","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-3-2"},{"clause":"4","heading":"Pollution or contamination, unless","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-4-2"},{"clause":"5","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-5-2"},{"clause":"6","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-6-2"},{"clause":"7","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-7"},{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-8-2"},{"clause":"9","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-9"},{"clause":"10","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-10"},{"clause":"11","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-11-2"},{"clause":"12","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-12-2"}],"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":"First complain to Tata AIG customer support by calling 022 6489 8282 or emailing customersupport@tataaig.com. You can also send the grievance in writing by post or email to the Grievance Redressal Officer at Customer Support, Tata AIG General Insurance Company Limited, 7th and 8th Floor, Romell Tech Park, Goregaon(E), Mumbai 400063, or visit the servicing branch.","display":"Call 022 6489 8282 or email customersupport@tataaig.com; written grievance to the Grievance Redressal Officer/Customer Support at Romell Tech Park or visit the servicing branch","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Customer Support No. 022 6489 8282 or You may email to the customer service desk at customersupport@tataaig.com. ... You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nCustomer Support, Tata AIG General Insurance Company Limited 7th and 8th Floor, Romell Tech Park, Cama Industrial Estate, Western Express Highway, Goregaon(E), Mumbai, Maharashtra 400063\nE-mail: customersupport@tataaig.com\nVisit the Servicing Branch mentioned in the policy document","sources":[{"clause":"Section 9","heading":"Grievances","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-section-9"},{"clause":null,"heading":"Our Grievance Redressal Officer","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-our-grievance-redressal-officer"}],"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":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, Volcanic Eruption or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands Landslide, Rockslide","Bush Fire, Forest Fire, Jungle Fire","Impact Damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)","Missile testing operations","Riot, Strike, Malicious Damages","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events"],"display":"Fire; Explosion or Implosion; Lightning; Earthquake/Volcanic Eruption/convulsions of nature; Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation; Subsidence/Landslide/Rockslide; Bush/Forest/Jungle Fire; Impact Damage; Missile testing operations; Riot, Strike, Malicious Damages; Bursting or overflowing water tanks/apparatus/pipes; Leakage from automatic sprinkler installations; Theft within 7 days of and proximately caused by an insured event","note":null,"quote":"We cover physical loss or damage, or We do not cover any loss or damage, or destruction caused to the destruction caused to the Insured Insured Property Property by\n1. Fire | caused by burning of Insured Property by order of any Public\nAuthority.\n2. Explosion or Implosion | -\n3. Lightning | -\n4. Earthquake, Volcanic Eruption or other - convulsions of nature ... 5 Storm, Cyclone, Typhoon, Tempest,\nHurricane, Tornado, Tsunami, Flood and Inundation ... 6 Subsidence of the land on which Your caused by\nHome Building stands Landslide, a. normal cracking, settlement or bedding down of new\nRockslide ... 7. Bush Fire, Forest Fire, Jungle Fire | - ... Impact Damage of any kind, i.e., damage caused by pressure waves caused by aircraft or other aerial or caused by impact of, or collision caused by space devices travelling at sonic or supersonic speeds. any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)\n9. Missile testing operations | -\n10. Riot, Strike, Malicious Damages | caused by ... Bursting or overflowing of water tanks,\napparatus and pipes. ... Leakage from automatic sprinkler ... Theft within 7 (seven) days from the If it is\noccurrence of and proximately caused by a. of any article or thing outside Your Home, or\nany of the above Insured Events","sources":[{"clause":null,"heading":"2.1 Insured Events","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-1-insured-events"},{"clause":"5","heading":"Storm, Cyclone, Typhoon, Tempest,","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-5"},{"clause":"6","heading":"Subsidence of the land on which Your caused by","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-6"},{"clause":"8","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-8"},{"clause":"11","heading":"Bursting or overflowing of water tanks,","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-11"},{"clause":"12","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-12"},{"clause":"13","heading":"Theft within 7 (seven) days from the If it is","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-13"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"NIL","display":"NIL","note":null,"quote":"8. Loss Participation | NIL","sources":[{"clause":null,"heading":"Optional Cover","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16897#c-optional-cover"}],"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":"You may cancel the policy any time by informing the insurer. The insurer will refund proportionate premium for the unexpired Policy Period if there is no claim under the policy.","display":"Proportionate premium for the unexpired Policy Period, if there is no claim","note":null,"quote":"You may cancel the Policy any time by informing Us. We shall refund proportionate Premium for the unexpired Policy Period provided there is no claim(s) under the policy.","sources":[{"clause":null,"heading":"Clause C: Cancellation and Termination of Policy","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-clause-c-cancellation-and-termination-of-policy"}],"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 documents refer to locations specified in the Policy Schedule/Certificate of Insurance, but no geographic territory of cover is stated.","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":"Home Building cover pays for physical loss, damage or destruction of the Home Building due to insured events. Home Building includes the residential structure, permanent fixtures and fittings, and listed additional structures on the same site; the Sum Insured is the prevailing Cost of Construction at the Commencement Date as declared by you and accepted by the insurer.","display":"Home Building physical loss/damage/destruction due to insured events; fixtures, fittings and additional structures included; SI is prevailing Cost of Construction at Commencement Date","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in section 2.1 of this Policy. ... Your 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 Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"2.2 Home Building Cover 1. What We cover","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-2-home-building-cover-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-your-home-building"},{"clause":null,"heading":"4. Sum Insured","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#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":"Home Contents cover pays for physical loss, damage or destruction of General Contents caused by an insured event at the specified location. Valuable Contents are not covered unless the optional cover is purchased; the Home Contents Sum Insured is shown in the schedule and item/category limits in the schedule apply.","display":"General Contents covered for insured events; Valuable Contents only if optional cover is bought; maximum is the Home Contents Sum Insured and any item/category limits","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Section 2.1 at the location/s specified in the Policy schedule/Certificate of Insurance of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The Sum Insured for the Home Contents Cover is shown in the Policy Schedule/ Certificate of Insurance and will be the maximum amount payable in the event the Home Contents are destroyed/lost completely. ... If the Policy Schedule/ Certificate of Insurance shows any limit for any item, or category or groups of items, such limit is the maximum We will pay for that item.","sources":[{"clause":null,"heading":"2.3 Home Contents Cover","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-3-home-contents-cover"},{"clause":null,"heading":"2. Sum Insured","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-sum-insured"},{"clause":null,"heading":"3. What We Pay","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-3-what-we-pay"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only if it occurs within 7 days from, and is proximately caused by, one of the insured events. Theft of articles outside the home or articles attached from outside the outer walls or roof is not covered unless securely mounted.","display":"Theft within 7 days from and proximately caused by an insured event; outside articles excluded unless securely mounted","note":"The wording states theft after an insured event, not a general burglary cover.","quote":"Theft within 7 (seven) days from the If it is\noccurrence of and proximately caused by a. of any article or thing outside Your Home, or\nany of the above Insured Events | b. of any article or thing attached from the outside of the outer\nwalls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"13","heading":"Theft within 7 (seven) days from the If it is","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-13"}],"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 is paid while the Home Building is not fit for living because of physical loss from an insured event, to the extent declared and agreed. The alternative accommodation must not be superior and must be in the same city, the maximum period is three years from the date the Home Building becomes unfit for living, and the rent claim is accepted only if the physical damage claim under Home Building Cover is accepted.","display":"Loss of rent or alternative rent while the Home Building is unfit after an insured event; same city/not superior; maximum three years; only if Home Building damage claim is accepted","note":null,"quote":"We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under section 2.2 Clause (6) of this Policy while Your Home Building is not fit for living following loss or damage due to an Insured event. ... We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event ... We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":null,"heading":"2.2 Home Building Cover 1. What We cover","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-2-home-building-cover-1-what-we-cover"},{"clause":"13(f)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-13-f-ii"}],"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":"Home Building Sum Insured is based on the prevailing Cost of Construction at the Commencement Date as declared by you and accepted by the insurer. General Contents Sum Insured must be enough to cover replacement cost, and optional Valuable Contents may be covered on an agreed value based on a valuation certificate accepted by the insurer.","display":"Building: prevailing Cost of Construction at Commencement Date; General Contents: replacement cost; optional Valuable Contents: agreed value basis","note":null,"quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":null,"heading":"4. Sum Insured","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-4-sum-insured"},{"clause":null,"heading":"2. Sum Insured","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-2-sum-insured"},{"clause":null,"heading":"3. What We Pay","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-3-what-we-pay"}],"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":"Underinsurance does not apply. If the Sum Insured calculated on the basis of the information provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to the Tata AIG Home Protect Plus Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":"Section 7","heading":"Waiver of Underinsurance","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938#c-section-7"}],"law":[]}],"documents":[{"kind":"wording","label":"TATA AIG Home Protect Plus Policy(IRDAN108RPPR0008V01202425)","pages":19,"fetched_at":"2026-10-17 20:10:08+00","source_url":"https://www.tataaig.com/s3/tata_aig_home_protect_plus_policy_policy_wordings_190cb1709a.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16938"},{"kind":"prospectus","label":"TATA AIG Home Protect Plus Policy(IRDAN108RPPR0008V01202425)","pages":13,"fetched_at":"2026-10-17 20:09:40+00","source_url":"https://www.tataaig.com/s3/tata_aig_home_protect_plus_policy_prospectus_967c3dfec4.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16924"},{"kind":"cis","label":"TATA AIG Home Protect Plus Policy(IRDAN108RPPR0008V01202425)","pages":8,"fetched_at":"2026-10-17 20:09:01+00","source_url":"https://www.tataaig.com/s3/tata_aig_home_protect_plus_policy_cis_712d2798ed.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/16897"},{"kind":"proposal","label":"TATA AIG Home Protect Plus Policy(IRDAN108RPPR0008V01202425)","pages":null,"fetched_at":"2026-10-17 20:10:49+00","source_url":"https://www.tataaig.com/s3/home_policy_protect_proposal_form_8fcfb35ab2.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/31846"},{"kind":"claim-form","label":"TATA AIG Home Protect Plus Policy(IRDAN108RPPR0008V01202425)","pages":null,"fetched_at":"2026-10-17 20:02:13+00","source_url":"https://www.tataaig.com/s3/tata_aig_home_protect_plus_policy_claim_form_ce670f5b91.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425/document/31789"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"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":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"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":"TATA AIG Home Protect Plus Policy (UIN IRDAN108RPPR0008V01202425), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-home-protect-plus-policy-irdan108rppr0008v01202425"}