{"uin":"IRDAN159RP0010V01202223","name":"Zuno Home Protect","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Zuno Home Protect covers a home building and/or home contents against listed insured events such as fire, explosion, lightning, natural perils, impact damage, riots, water overflow and limited theft. Home building sum insured is based on prevailing Cost of Construction, general contents can have built-in cover of 20% of building sum insured up to ₹ 10 Lakh, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:34:43.210724+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":"not-stated","value":null,"display":null,"note":"The wording points to the Policy Schedule for the Policy Period but does not state a fixed policy term.","quote":null,"sources":[],"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 as soon as any physical loss or damage occurs due to an insured event. The claim form must be submitted 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 ys 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":"Row 4(IV)(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-a"},{"clause":"Row 4(IV)(a)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-a-i"}],"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","The Policy Number","Details of report to the police that you made","Details of report to any Authority that You made","Submit photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by you for reconstruction/replacement/repairs","Death Certificate and Postmortem report (wherever necessary)"],"display":"Claim form; policy number; police/authority reports; photographs where possible; plans, specifications, vouchers and invoices; death certificate and postmortem 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. ... You must state in this notice\ni) The Policy Number,\nii) your name,\niii) Details of report to the police that you made,\niv) Details of report to any Authority that You made, ... ix) 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. ... For Optional Cover of Personal Accident, Death Certificate and Postmortem report (wherever necessary) shall be submitted.","sources":[{"clause":"Row 4(IV)(a)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-a-i"},{"clause":"Row 4(IV)(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-c"},{"clause":"Row 4(IV)(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-b-5"},{"clause":"Row 4(IV)(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-c-2"}],"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":"No time limit for deciding or paying a claim from intimation or last document is printed.","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, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","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","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","Loss of any Insured Property which is missing or has been mislaid","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","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%","Costs, fees or expenses for preparing any claim."],"display":"Main exclusions include intentional acts, war, nuclear radiation, pollution except where linked to an insured event, electrical/electronic self-damage, excluded valuables/documents/money/vehicles, missing or mislaid property, property removed from the home, consequential loss, reduction in market value, major additions over 10% without endorsement, and claim-preparation costs.","note":null,"quote":"1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. 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.\n3. 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.\n4. Pollution or contamination, unless ... i) the pollution or contamination itself has resulted from an Insured Event, or ... ii) an Insured Event itself results from pollution or contamination.\n5. 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.\n6. 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.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. 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.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"Row 4(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b-12"},{"clause":"Row 4(b)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b-i-2"},{"clause":"Row 4(b)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b-ii-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":"Complaints may first be addressed to the company through its touch points, toll-free/customer service contacts, Grievance Cell or Grievance Redressal Officer. The company says written grievances will be addressed within 14 days; if not satisfied or no response is received, the policyholder may approach IRDAI and then the Insurance Ombudsman post 30 days from complaint registration.","display":"Complain first to Zuno touch points/customer service, Grievance Cell or Grievance Redressal Officer; company response within 14 days; Ombudsman after 30 days if unresolved","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:\nIn case of any Grievance of the Complainant sent in a written communication to the Company at any of the touch points as mentioned, shall be addressed within 14 days of the receipt of the complaint. ... • Please feel free to contact our Grievance Cell on Call us at: 1800 1200 216216 Email: grievance@hizuno.com Address: Zuno General Insurance Limited, Kohinoor City Mall, Tower 3, Kirol Road, Kurla West, Mumbai 400070\n• The Grievance Redressal Officer Email: grievanceofficer@hizuno.com Call us at: 022 4931 4422 Address: Zuno General Insurance Limited, Kohinoor City Mall, Tower 3, Kirol Road, Kurla West, Mumbai 400070 ... In case you are not satisfied with the response provided by the company or no response is received, you may approach the Insurance Ombudsman in your region for the resolution post 30 days from the date of registration of the complaint.","sources":[{"clause":"Row 4(IV)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-b-9"}],"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","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","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/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; riot, strikes, malicious damages; acts of terrorism; bursting or overflowing water tanks/apparatus/pipes; sprinkler leakage; theft within 7 days from and proximately caused by an insured event","note":"Insured Event no. 4, 5 and 11 are optional and covered only if opted in the proposal form and specifically mentioned in the Policy Schedule.","quote":"Note that Insured Event no. 4, 5 &11 in the following table are optional and is covered only if opted by the Insured in the Proposal Form & specifically mentioned in the Policy Schedule. ... 1 | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2 | Explosion or Implosion | - ... 3 | Lightning | - ... 4 | Earthquake, volcanic eruption, or other convulsions of nature | -\n5 | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6 | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by ... 7 | Bush fire, Forest fire, Jungle fire | - ... 8 | 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.) ... 9 | Missile testing operations | - ... 10 | Riot, Strikes, Malicious Damages | caused by ... 11 | Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions as per Terrorism Clause attached. ... 12 | Bursting or overflowing of water tanks, apparatus and pipes. | - ... 13 | Leakage from automatic sprinkler installations. | A. Repairs or alterations in Your Home or the building in which Your Home is located, B. Repairs, removal or extension of any sprinkler installation, or C. Defects in the construction known to You. ... 14 | Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events.","sources":[{"clause":"4","heading":"Special meaning of certain words","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-4"},{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4"},{"clause":"4","heading":"Special meaning of certain words","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-4-2"},{"clause":"Row 4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"For the Sabotage and Terrorism Damage Cover Endorsement, Shops & Residential Risks have an excess of 1% of the claim amount for each and every claim, minimum INR 10,000 and maximum INR 500,000. Non-Industrial Risks and Industrial Risks have separate excesses as stated in the endorsement.","display":"Sabotage/terrorism endorsement: Shops & Residential Risks excess 1% of claim amount, minimum INR 10,000 and maximum INR 500,000","note":"This excess is in the sabotage and terrorism endorsement.","quote":"3.1. Sabotage and Terrorism Damage Cover Endorsement (Material Damage only) ... EXCESS* Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000 Non-Industrial Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 25,000 and Maximum of INR 1,000,000 Industrial Risks: 5% of the claim amount for each and every claim subject to Minimum of INR 100,000 and Maximum of INR 25,00,000","sources":[{"clause":"Row 4(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-e-5"},{"clause":"Row 4(e)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-e-ii"}],"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 can cancel at any time by written notice and the policy terminates when the insurer receives the notice. Refund is after retaining premium as per the short-period scale for policies in force up to 1 year; for more than 1 year, the insurer retains full premium for completed years plus short-period scale premium for the remaining fraction.","display":"Cancel any time by written notice; refund after short-period scale retention up to 1 year, or completed-year premium plus short-period scale for remaining fraction if more than 1 year","note":null,"quote":"You can cancel this Policy at any time by giving us notice in writing. The Policy will terminate when we receives your notice. ... If you cancel the policy, we will refund premium as follows:\nTime for which Policy in force | Refund of premium ... Up to 1 Year | Refund after retaining premium as per short period scale for the time for which Policy is in force. ... More than 1 year | Refund after retaining full premium for completed year plus retaining premium as per short period scale for the remaining fraction of a year (if any) for the time for which Policy in force","sources":[{"clause":"Row 4(III)(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iii-a"},{"clause":"Row 4(III)(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iii-b"}],"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 does not state a geographic area 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":"Home Building cover pays for physical loss, damage or destruction of the home building because of any insured event, including permanently attached fixtures and fittings and specified additional structures on the same site. The Home Building sum insured is the prevailing Cost of Construction at the commencement date as declared by the policyholder and accepted by the insurer.","display":"Physical loss/damage/destruction of Home Building due to insured events; includes fixtures, fittings and additional structures; sum insured based on prevailing Cost of Construction","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B 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","sources":[{"clause":"Row 4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b"},{"clause":"Row 4(b)","heading":"Your Home Building","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b-2"},{"clause":"Row 4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-a-5"}],"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. Valuable Contents are not covered unless the optional cover is purchased; where both Home Building and Home Contents are opted, built-in General Contents cover is 20% of the Home Building sum insured, subject to a maximum of ₹ 10 Lakh.","display":"General Contents covered for insured events; built-in 20% of Home Building sum insured up to ₹ 10 Lakh if both covers are opted; Valuable Contents only if optional cover is purchased","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 Clause B 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 policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. ... 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":"Row 4(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-e-3"},{"clause":"Row 4(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b-8"},{"clause":"Row 4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-a-10"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only when it occurs within 7 days from the occurrence of and is proximately caused by an insured event. Standalone burglary is not listed as a covered insured event in the wording.","display":"Theft within 7 days from and proximately caused by an insured event","note":"Standalone burglary is not listed as an insured event in the wording.","quote":"14 | Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Premises, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Premises, unless securely mounted.","sources":[{"clause":"Row 4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-b"}],"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 if opted in the proposal form and mentioned in the Policy Schedule. They pay the rent lost or alternative rent paid while the home building is not fit for living because of physical loss from an insured event, for a maximum period of three years from the date the home becomes unfit for living.","display":"Optional Loss of Rent and Rent for Alternative Accommodation; maximum period three years from the date the home becomes unfit for living","note":null,"quote":"‘Loss of Rent’ and ‘Rent for Alternative Accommodation’:\nThese are optional covers and covered if opted in the Proposal form and mentioned in the Policy Schedule: In addition to what Clause C (5) (c) of this Policy Wording provides for, 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 as follows: ... This cover will be available for the reasonable time required to repair your home building to make it fit for living. The maximum period of this cover is three years from the date your home building becomes unfit for living.","sources":[{"clause":"Row 4(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-c-6"},{"clause":"Row 4(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-d-6"}],"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 commencement as declared by the policyholder and accepted by the insurer. General Contents sum insured must be enough to cover replacement cost, and Valuable Contents can be covered on an agreed value basis using a valuation certificate, with the certificate waived up to ₹ 5 Lakh if individual item value does not exceed ₹ 1 Lakh.","display":"Building: Cost of Construction; General Contents: replacement cost; Valuable Contents: agreed value basis with valuation certificate, waived up to ₹ 5 Lakh if item value does not exceed ₹ 1 Lakh","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. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us. However, We shall waive the requirement of valuation certificate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh) and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":"Row 4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-a-5"},{"clause":"Row 4(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-d-5"},{"clause":"Row 4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-a-10"}],"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 from the information provided is less than the actual value at risk, the difference will not affect the amount the insurer pays.","display":"Underinsurance does not apply","note":null,"quote":"Clause I. Waiver of Underinsurance Underinsurance does not apply to this 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":"Row 4(IV)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065#c-row-4-iv-b-8"}],"law":[]}],"documents":[{"kind":"wording","label":"Zuno Home Protect Policy wording","pages":18,"fetched_at":"2026-10-17 20:07:57+00","source_url":"https://cms.hizuno.com/uploads/Base_Product_Property_Zuno_Home_Protect_Policy_wording_0d55872846.pdf?updated_at=2024-09-25T06:09:55.870Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223/document/18065"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.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":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-claims","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":"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."},{"purpose":"renew","kind":"insurer","name":"Health renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-renewal","note":null}],"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":"Zuno Home Protect (UIN IRDAN159RP0010V01202223), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/zuno-home-protect-irdan159rp0010v01202223"}