{"uin":"IRDAN190RP0002V01202324","name":"New India Home Safety Insurance","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324","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":"New India Home Safety Insurance is a home insurance policy that provides protection against loss or damage to the house and contents. It has named sections for fire and allied perils, burglary and housebreaking, all risks, plate glass, domestic appliances, personal accident, public liability, personal computers, domestic transit of contents and pet dog insurance.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:38:46.86771+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list coverage sections, but do not state named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance stated in the schedule, but the documents provided do not print 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":"The insured must give immediate notice to the Company for any claim event. Theft must be reported to the Police forthwith; detailed particulars must be furnished within Fourteen (14) days, and bodily injury, disease or illness notice must be given as soon as possible and in any event within Fourteen days.","display":"Immediate notice; theft to Police forthwith; particulars within Fourteen (14) days; injury/illness notice within Fourteen days","note":null,"quote":"a) 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. ... b) 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 together with such explanations and evidence to substantiate the claim as the Company may reasonably require.\n(ii) If the insured or any member of the Insured’s family named in the Schedule shall sustain any bodily injury or contact any disease or suffer from any illness requiring treatment at any Clinic, Nursing Home or Hospital in respect of which a claim is or may be made hereunder 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":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#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":["Duly completed and signed claim form","Copy of complaint filed with the Police, wherever required","Any other relevant documents","receipts, bills, if any, and other records in support of Insured’s claim"],"display":"Claim form, police complaint where required, other relevant documents, and receipts/bills/records in support","note":null,"quote":"II . For Claims : Documents to the submitted at the time of a claim\n• Duly completed and signed claim form\n• Copy of complaint filed with the Police, wherever required\n• Any other relevant documents Claim Procedure : ... Upon learning of any circumstances likely to give rise to a claim, Insured must provide all relevant documents including receipts, bills, if any, and other records in support of Insured’s claim.","sources":[{"clause":null,"heading":"What are the coverages ?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13587#c-what-are-the-coverages"},{"clause":"3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13587#c-3"}],"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":"The documents state that payment depends on providing necessary information, but do not promise a time for claim decision or payment.","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":["Loss damage, liability or expenses, whether direct or indirect occasioned by happening through or arising from any consequences of war","Loss or damage caused by depreciation or wear and tear.","Consequential loss of any kind or description.","loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material.","ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.","loss or damage by Burglary and/or housebreaking or theft where any member of the Insured’s family is concerned as principal or accessory.","loss of or damage to articles of consumable nature.","loss of or damage to money, securities, stamps, stamp collections, bullion, livestock, motor vehicles and pedal cycles.","loss of damage of deeds, bonds, bill of exchange, promissory notes shares and stock certificates, business books manuscripts documents of any kind. unset precious stones and jewelry and valuables."],"display":"War, depreciation/wear and tear, consequential loss, nuclear/radioactivity, family-involved burglary/theft, consumables, money/securities/bullion/livestock/motor vehicles/pedal cycles, documents and jewellery/valuables","note":null,"quote":"The Company shall not be liable in respect of :\n1. Loss damage, liability or expenses, whether direct or indirect occasioned by happening through or arising from any consequences of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion revolution, insurrection military or unsurped power or civil commotion or loot or pillage in connection therewith.\n2. Loss or damage caused by depreciation or wear and tear.\n3. Consequential loss of any kind or description.\n4. a) | Loss or damage directly or indirectly caused by or arising from or in consequence of or\ncontributed to by nuclear weapons material.\nb) This insurance does not cover loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... The Company shall not be liable in respect of :\na) loss or damage by Burglary and/or housebreaking or theft where any member of the Insured’s family is concerned as principal or accessory.\nb) loss of or damage to articles of consumable nature.\nc) loss of or damage to money, securities, stamps, stamp collections, bullion, livestock, motor vehicles and pedal cycles.\nd) loss of damage of deeds, bonds, bill of exchange, promissory notes shares and stock certificates, business books manuscripts documents of any kind. unset precious stones and jewelry and valuables.","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-general-exceptions"},{"clause":null,"heading":"SPECIAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-special-exceptions"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, contact the company through its website, toll free number or the servicing branch. If still not satisfied, the insured may approach the Insurance Ombudsman, and grievance may also be lodged at IRDAI Integrated Grievance Management System.","display":"Company website/toll-free/servicing branch first; then Insurance Ombudsman; IRDAI IGMS also available","note":null,"quote":"ln case of any grievance the insured person may contact 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 of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017. Details of the offices of the Insurance Ombudsman are available at IRDAI website www.irdai.gov.in or General Insurance Council website https://www.cioins.co.in/ombudsman or on company website www.newindia.co.in. Grievance may also be lodged at IRDAI Integrated Grievance Management System (https://bimabharosa.irdai.gov.in/)","sources":[{"clause":"3","heading":"Any other relevant documents","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13593#c-3"}],"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 & ALLIED PERILS","BURGLARY & HOUSEBREAKING INCL. LARCENY OR THEFT","ALL RISKS","PLATE GLASS","BREAKDOWN OF DOMESTIC APPLIANCES","T.V. SET","PEDAL CYCLES","BAGGAGE INSURANCE","PERSONAL ACCIDENT","PUBLIC LIABILITY","PERSONAL COMPUTERS","DOMESTIC TRANSIT OF CONTENTS","PET DOG"],"display":"Fire and allied perils; burglary and housebreaking including larceny or theft; all risks; plate glass; domestic appliances; TV set; pedal cycles; baggage; personal accident; public liability; personal computers; domestic transit of contents; pet dog","note":"The prospectus also lists MyCyber Insurance and Identity Theft as add-on covers.","quote":"Section | Coverage\nI | FIRE & ALLIED PERILS\nII | BURGLARY & HOUSEBREAKING INCL. LARCENY OR THEFT\nIII | ALL RISKS\nIV | PLATE GLASS\nV | BREAKDOWN OF DOMESTIC APPLIANCES\nVI | T.V. SET\nVII | PEDAL CYCLES\nVIII | BAGGAGE INSURANCE\nIX | PERSONAL ACCIDENT\nX | PUBLIC LIABILITY\nXI | PERSONAL COMPUTERS\nXII | DOMESTIC TRANSIT OF CONTENTS\nXIII | PET DOG","sources":[{"clause":null,"heading":"What are the coverages ?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13587#c-what-are-the-coverages"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"For domestic appliances, the insured bears 1% of the sum insured for each domestic appliance separately or Rs.25, whichever is higher, for each admitted loss. For pedal cycle Section A losses, the first Rs. 10 of each loss is excluded, but if the loss exceeds Rs. 10 the Company is liable to pay in full.","display":"Domestic appliances: 1% of sum insured per appliance or Rs.25, whichever is higher; pedal cycle: first Rs. 10 unless loss exceeds Rs. 10","note":"The CIS says loss participation is as per policy clauses and policy schedule; no single policy-wide excess amount is printed in the provided wording.","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. ... v) 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":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-excess"},{"clause":null,"heading":"SPECIAL EXCEPTIONS","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#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 termination, 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":"Refund after retaining premium for time on risk at short period scales 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","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#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 applies at the insured premises for premises-based sections. Temporary removal of contents, jewellery and valuables, and baggage are covered anywhere in India as stated for those sections.","display":"Insured premises for premises-based cover; India for temporary removal, jewellery/valuables and baggage","note":"The documents do not state one single territory clause for all sections.","quote":"whilst contained in or fixed at the Insured premises. ... whilst temporarily removed and during transit as accompanied baggage anywhere in India to other premises used for temporary residence ... 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","sources":[{"clause":"Section V","heading":"BREAKDOWN OF DOMESTIC APPLIANCES","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-section-v"},{"clause":null,"heading":"EXTENSION","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-extension"},{"clause":"Section III","heading":"ALL RISKS (JEWELLERY AND VALUABLES)","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-section-iii"},{"clause":"Section VIII","heading":"BAGGAGE","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-section-viii"}],"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 policy indemnifies loss of or damage to the building while contained in the insured premises by listed perils including fire, lightning, domestic gas explosion, water tank or pipe bursting, aircraft, riot, earthquake, flood and impact damage.","display":"Building covered at the insured premises for fire, allied perils, earthquake, flood and impact damage","note":null,"quote":"The Company will indemnify the insured in respect of loss of or damage to the contents/Building whilst contained in the insured premises by :\na) Fire, lightning, Explosion of gas in domestic appliances.\nb) Bursting and overflowing of water tanks, apparatus or pipes.\nc) Aircraft.\nd) Riot, Strike or Malicious Act.\ne) Earthquake, Fire and/or Shock, subsidence and Landslide (including Rockslide) damage.\nf) Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tornado or Cyclone.\ng) Impact damage.","sources":[{"clause":"Section 1","heading":"BUILDING AND CONTENTS (excluding jewelry and Valuables)","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#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 are covered with the building for Section I perils, and temporary removal or accompanied baggage within India is covered for up to One Hundred and Twenty (120) days with liability limited to one tenth of the total sum insured under that section. Jewellery and valuables are covered for accident or misfortune anywhere in India, with temporary removal within India for up to One Hundred and Twenty (120) days and liability limited to one fifth of that section sum insured; one article limits are 5% for Section I contents and 10% for jewellery/valuables unless separately specified.","display":"Contents covered for Section I perils; temporary removal in India up to 120 days and 1/10 of Section I sum insured. Jewellery/valuables covered anywhere in India, temporary removal up to 120 days and 1/5 of that section sum insured; article limits 5% and 10% unless specified","note":null,"quote":"The Company will indemnify the insured in respect of loss of or damage to the contents/Building whilst contained in the insured premises by : ... during any period or periods not exceeding in the aggregate. One Hundred and Twenty (120) days in any one period of insurance, provided that the liability of the Company in respect of property so removed shall not exceed one tenth of the total sum insured under this section. ... 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. ... during any period or periods not exceeding in the aggregate One Hundred and Twenty (120) days in any one period of insurance, provided that the liability of the Company in respect of property so removed shall nor exceed one fifth of the total sum insured under this section. ... 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":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-section-1"},{"clause":null,"heading":"EXTENSION","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-extension"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-1-2"},{"clause":"Section III","heading":"ALL RISKS (JEWELLERY AND VALUABLES)","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-section-iii"},{"clause":null,"heading":"EXTENSION","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-extension-2"},{"clause":null,"heading":"SPECIAL CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-special-conditions-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Yes. The Company indemnifies loss or damage to contents in the insured premises by burglary, housebreaking including larceny and theft, excluding money and valuables.","display":"Yes, contents covered for burglary, housebreaking including larceny and theft; money and valuables excluded","note":null,"quote":"(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":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#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":"The provided documents do not state cover for loss of rent or alternative accommodation after damage.","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 the structure is indemnity based except the personal accident section, which is benefit based. The policy wording says the Company pays the value at the time of loss or damage and not above the sums specified; for domestic appliances, the sum insured must equal replacement cost by new property of the same kind and capacity.","display":"Indemnity based except PA benefit based; domestic appliances on replacement cost of new property of same kind and capacity","note":null,"quote":"Indemnity based Benefit except PA section – Benefit based ... 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 or the amount of liability insured or the benefits specified herein but not exceeding in any one period of insurance in respect of each of the several items specified herein the sum set opposite thereto respectively. ... SUM INSURED : 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.","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13593#c-row-3"},{"clause":null,"heading":"NIA HOME SAFETY INSURANCE POLICY CLAUSE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-nia-home-safety-insurance-policy-clause"},{"clause":"1","heading":"SUM INSURED : It","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-1-3"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Average applies: if the insured property value is greater than the sum insured at the time of loss or damage, the insured bears a ratable proportion. For Section I, the average condition has no effect if the sum insured is not less than 85% of the collective value.","display":"Average applies; claims reduced ratably if value exceeds sum insured. Section I average waived if sum insured is at least 85% of value","note":null,"quote":"If the property hereby insured shall at the time of any loss or damage be collectively of greater value then 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 or damage accordingly. ... 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":"9","heading":"Average","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-9"},{"clause":"2","heading":"Condition of Average","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572#c-2-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Clauses","pages":17,"fetched_at":"2026-10-17 19:55:54+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/home-safety-insurance/New%20India%20Home%20Safety%20Clause.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13572"},{"kind":"prospectus","label":"Prospectus","pages":2,"fetched_at":"2026-10-17 19:56:40+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/home-safety-insurance/New%20India%20Home%20Safety%20Prospectus.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13587"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:56:51+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/home-safety-insurance/New%20India%20Home%20Safety%20CIS.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324/document/13593"}],"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":"New India Home Safety Insurance (UIN IRDAN190RP0002V01202324), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-home-safety-insurance-irdan190rp0002v01202324"}