{"uin":"IRDAN190P0123V01100001","name":"House Holder Insurance","url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"House Holder Insurance is an indemnity based home package for building and contents, burglary, jewellery and valuables, domestic appliances, baggage, personal accident and public liability. Claims must be notified immediately, detailed particulars are due within Fourteen (14) days, and Section V has an excess of 1% of sum insured for each domestic appliance or Rs.25 whichever is higher.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:39:08.212681+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is described as annual insurance, with renewal or cancellation possible under the policy.","display":"Annual insurance","note":null,"quote":"The clause shall not in any way after annual character of the Insurance nor the right of the Company to decline to renew or to cancel this policy as herein after provided.","sources":[{"clause":null,"heading":"CUMULATIVE BONUS","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-cumulative-bonus"}],"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":"For a loss event, the insured must give immediate notice to the company and furnish detailed particulars within Fourteen (14) days. Theft must be reported to the Police forthwith, and bodily injury, disease or illness must be notified as soon as possible and within Fourteen days.","display":"Immediate notice; details within Fourteen (14) days; injury/illness within Fourteen days; theft to Police forthwith","note":null,"quote":"in the event of theft lodge forthwith a complaint with the Police and take all practicable steps to apprehend the guilty person or persons and to recover the property lost. ... give immediate notice thereof of the Company ahd shall within Fourteen (14) days thereafter furnish to the Company at his own expenses detailed particulars of the amount of loss or damage ... prompt written notice thereof shall be given to the Company as soon as possible but in any event within Fourteen days of the date of injury or contracting disease or suffering from illness.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-5-b"}],"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":["complaint with the Police","detailed particulars of the amount of loss or damage","explanations and evidence to substantiate the claim","All certificates, information and evidence whether from a Medical Attendant or otherwise","every written notice or information of any verbal notice of claim","any writ, summons or other legal process"],"display":"Police complaint for theft; detailed loss particulars; explanations and evidence; medical certificates/information/evidence; notices of claim; writ, summons or other legal process","note":null,"quote":"in the event of theft lodge forthwith a complaint with the Police ... detailed particulars of the amount of loss or damage together with such explanations and evidence to substantiate the claim as the Company may reasonably require. ... All certificates, information and evidence whether from a Medical Attendant or otherwise required by the Company shall be furnished ... every written notice or information of any verbal notice of claim and shall send to the Company any writ, summons or other legal process","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-5-b"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 contact the company through its grievance website, toll free number or the servicing branch mentioned in the policy document. If still not satisfied, the insured may approach the Insurance Ombudsman.","display":"Company website, toll free 1800-209-1415 or servicing branch first; then Insurance Ombudsman if still not satisfied","note":null,"quote":"the company through Website: https://www.newindia.co.in/portal/readMore/Grievances Toll free: 1800-209-1415 Visit the Servicing Branch mentioned in the policy Document Insurance Ombudsman If You are still not satisfied with the redressal of grievance through above methods, you may also approach the office of Insurance Ombudsman","sources":[{"clause":"Section VII","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13605#c-section-vii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Section V domestic appliances has an excess of 1% of the sum insured for each domestic appliance or Rs.25, whichever is higher, for each admitted loss. Pedal Cycle Sub-section (A) excludes the first Rs. 10/- of each loss, but if the loss exceeds Rs. 10/- the company pays in full.","display":"Section V: 1% of sum insured for each domestic appliance or Rs.25, whichever is higher; Pedal Cycle: first Rs. 10/- of each loss under Sub-section (A), with full payment if loss exceeds Rs. 10/-","note":null,"quote":"The Insured shall bear upon himself 1% of the sum insured in respect of each domestic appliance separately or the sum of Rupees Twenty five (Rs.25/- only) which ever is higher of each and every loss or damage in respect of which a claim is admitted under this policy. ... the first Rs. 10/- of each and every loss arising under Sub-section (A) hereof If however, the loss or damage exceeds Rs. 10/- the Company is liable to pay in full for such loss or damage.","sources":[{"clause":null,"heading":"EXCESS","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-excess"},{"clause":null,"heading":"SPECIAL EXCEPTIONS","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-special-exceptions-7"}],"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":"If the insured requests cancellation, the company retains premium for the period the policy has been in force at the short period scales of rates as per Fire Tariff.","display":"Company retains premium for time in force at short period scales of rates as per Fire Tariff","note":null,"quote":"This Policy may also be terminated at any time at the request of the insured in which case the Company will retain the premium for the period this Policy has been in force at the short period scales of rates as per Fire Tariff.","sources":[{"clause":"4","heading":"Cancellation : The Company may at any time by seven days notice in writing cancel this","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-4"}],"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":"quote-verified","value":"Property cover is at the insured premises. Temporary-removed contents, jewellery and valuables, and baggage covers state anywhere in India, and pedal cycle use outside India is excluded.","display":"Insured premises for property; temporary contents, jewellery/valuables and baggage anywhere in India; pedal cycle outside India excluded","note":"The policy schedule location is not included in the extracted documents.","quote":"whilst contained in the insured premises ... whilst temporarily removed and during transit as accompanied baggage anywhere in India ... loss of or damage to jewelry and Valuables caused by Accident or Misfortune whilst anywhere in India. ... whilst traveling anywhere in India whilst or tour on holidays ... whilst it is being used for hire or reward or outside India.","sources":[{"clause":"Section 1","heading":"BUILDING AND CONTENTS (excluding jewelry and Valuables)","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-section-1"},{"clause":null,"heading":"EXTENSION","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-extension"},{"clause":"Section III","heading":"ALL RISKS (JEWELLERY AND VALUABLES)","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-section-iii"},{"clause":"Section VIII","heading":"BAGGAGE","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-section-viii"},{"clause":null,"heading":"SPECIAL EXCEPTIONS","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-special-exceptions-7"}],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The company indemnifies loss of or damage to the building at the insured premises by the listed Section I perils. It pays the value at the time of loss or the amount of damage, subject to the sum insured.","display":"Building covered at insured premises for Section I perils; paid at value at the time of loss or amount of damage, up to sum insured","note":null,"quote":"The Company hereby agrees subject to the terms and conditions contained bearing or endorsed or otherwise expressed hereon that if the insured shall sustain LOSS or DAMAGE ... the Company will pay to the insured the value, at the time of happening of such LOSS, of the property so lost or the amount of such damage ... but not exceeding in any one period of insurance ... the sum set opposite thereto respectively. ... The Company will indemnify the insured in respect of loss of or damage to the contents/Building whilst contained in the insured premises by :","sources":[{"clause":null,"heading":"HOUSEHOLDER’S POLICY INSURANCE CLAUSE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-householders-policy-insurance-clause"},{"clause":"Section 1","heading":"BUILDING AND CONTENTS (excluding jewelry and Valuables)","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-section-1"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Contents excluding jewellery and valuables are covered under Section I, and no one article other than furniture is deemed more than 5% of that section's sum insured unless separately specified. Jewellery and valuables are covered for accident or misfortune anywhere in India under Section III, limited to the item sum insured and aggregate sum insured, with no one article or pair deemed more than 10% unless separately specified.","display":"Contents excluding jewellery/valuables covered; one article cap 5% except furniture unless specified. Jewellery and valuables covered anywhere in India for accident or misfortune, item and aggregate limits, one article/pair cap 10% unless specified","note":null,"quote":"Section 1 BUILDING AND CONTENTS (excluding jewelry and Valuables) ... No one article other than furniture is deemed to be more than 5% of the Sum Insured under this Section unless separately specified and valuable stated. ... The Company will indemnify the insured or any member of the family in respect of loss of or damage to jewelry and Valuables caused by Accident or Misfortune whilst anywhere in India. Provided that the liability of the Company in respect of any one item in any one period of Insurance will not exceed the sum insured set against such item in the Schedule hereto and not exceeding in the aggregate the total sum insured hereby. ... No one article or pair of articles is deemed to be more than 10% of the sum insured under this Section unless separately specified and value stated.","sources":[{"clause":"Section 1","heading":"BUILDING AND CONTENTS (excluding jewelry and Valuables)","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-section-1"},{"clause":"1","heading":"No one article other than furniture is deemed to be more than 5% of the Sum Insured","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-1-2"},{"clause":"Section III","heading":"ALL RISKS (JEWELLERY AND VALUABLES)","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-section-iii"},{"clause":null,"heading":"SPECIAL CONDITIONS","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-special-conditions-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Yes. Section II covers loss or damage to contents at the insured premises by burglary, housebreaking including larceny and theft, excluding money and valuables.","display":"Yes, contents in insured premises covered for burglary, housebreaking including larceny and theft, excluding money and valuables","note":null,"quote":"Section II BURGLARY AND HOUSEBREAKING INCLUDING LARCENY OR THEFT ... (Excluding Money and Valuables)\nThe Company will indemnify the Insured in respect of loss or damage to the contents whilst contained in the Insured premises by Burglary housebreaking including larceny and theft.","sources":[{"clause":"Section II","heading":"BURGLARY AND HOUSEBREAKING INCLUDING LARCENY OR THEFT","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-section-ii"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"not-stated","value":null,"display":null,"note":"No rent loss or alternative accommodation benefit is stated in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The CIS states that the sum insured for items specified in the schedule must equal the cost of replacement by new property of the same kind and capacity. The policy also says payment is limited to the relevant sum insured.","display":"Cost of replacement by new property of same kind and capacity for scheduled items; capped by the sum insured","note":"The cost-of-replacement statement is printed in the CIS; the policy wording also prints the same basis under Section V for domestic appliances.","quote":"It is a requirement of this insurance that the sum insured in respect of such item specified in the Schedule shall be equal to the cost of replacement of the insured property by new property of the same kind and capacity. ... not exceeding in any one period of insurance in respect of each of the several items specified herein the sum set opposite thereto respectively.","sources":[{"clause":"Row 5","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13605#c-row-5"},{"clause":null,"heading":"HOUSEHOLDER’S POLICY INSURANCE CLAUSE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-householders-policy-insurance-clause"}],"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":"Average applies if the insured property is of greater value than the sum insured, so the insured bears a ratable proportion of the loss. For Section I, the average condition has no effect if the sum insured is at least 85% of the collective value of the property insured.","display":"Average applies proportionately; Section I waiver if sum insured is at least 85% of collective value","note":null,"quote":"If the property hereby insured shall at the breaking out of any fire or at the commencement of any destruction of or damage to the property by any other peril hereby insured against the collectively of greater value than the sum insured thereon, then the insured shall be considered as being his own Insurer for the difference and shall bear a ratable proportion of the loss accordingly. Provided, however, that if the sum insured hereby on the property insured shall at the breaking out of such fire or at the commencement of such destruction or damage be not less than 85% (eighty five percent) of the collective value of the property insured, this conditions shall be of no purpose and effect.","sources":[{"clause":"2","heading":"Condition of Average","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579#c-2-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy clause","pages":17,"fetched_at":"2026-10-17 19:56:21+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/house-holder/House%20Holder%20Insurance%20Policy%20clause.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13579"},{"kind":"cis","label":"Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:57:17+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/house-holder/House%20Holder%20Insurance%20%20CIS.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001/document/13605"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","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":"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","url":"https://www.newindia.co.in/grievance","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":"House Holder Insurance (UIN IRDAN190P0123V01100001), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/house-holder-insurance-irdan190p0123v01100001"}