The policy comprises of sections as given here under

Section I – Fire & Allied Perils

• Coverage for building
• Covers contents of the dwelling belonging to the proposer and his/her family members permanently residing with him/her.

Allied Perils:

• Fire, Lightening, Explosion of gas in domestic appliances
• Bursting and overflowing of water tanks, apparatus or pipes.
• Damage caused by Aircraft
• Riot, Strike, Malicious or Terrorist Act
• Earthquake, Fire and/or Shock, subsidence and Landslide (including Rockslide) damage
• Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tornado or Cyclone.
• Impact damage

Section II – Burglary & House Breaking including larceny and theft.
Covers contents of the dwelling against loss due to burglary, house breaking, larceny or theft.
Section III – All Risks (Jewellery & Valuables)
Covers loss or damage to your jewellery and valuables by accident or misfortune whilst kept, worn or carried anywhere in India subject to the value declared in the schedule.
Section V – Breakdown of Domestic appliances
Covers domestic appliances against unforeseen and sudden physical damage due to mechanical or electrical breakdown.