Other InsurancesHousehold Policy

Householder Policy

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Householder Policy

A home is the place of innumerable memories; no money is better spent than what is invested on your home. Thus, safeguarding your home from unforeseen events becomes a priority and the best way can be securing with householder policy. This is a package policy specially designed to meet the insurance requirements of a householder by combining all risk under a single policy.
Householder Policy is the policy which protects the home-owners against damage and losses that affect their property and belongings. The householder's insurance is a package policy with available coverage spread over difference sections, this policy mainly covers perils like Fire , Earthquake, hailstorm, thunderstorms, theft, and breakdown of electrical and electronic appliances.

Key Benefits

  • Protection against earthquakes, floods.
  • Cover against terrorism.
  • Cover against fire and allied perils.
  • Protection against cyclone, storm, hurricane, etc.
  • All risk jewelry cover.
  • Additional rent for alternate accommodation.


  • 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.
    • 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, Cyclone.
    • Impact damage
  • Burglary Theft & House Breaking
  • All Risks (Jewelry & Valuables)
  • Plate Glass
  • Breakdown of Domestic appliances
  • T.V. Set (ALL RISKS)
  • Pedal Cycles
    • Covers loss or damage to pedal cycles by:
    • Fire & allied perils
    • Burglary, housebreaking, theft
    • Accidental external means
    • Third party personal injury or Third-party property damage
  • Accompanied Baggage Insurance
  • Personal Accident
  • Public Liability


  • Damage as a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution etc.
  • Any damage due to confiscation, commandeering, acquisition or destruction by the order of any government or lawfully constituted authority
  • Any damage directly or indirectly caused by or contributed to or arising from ionizing radiation or contamination by radioactivity
  • Depreciation and damage caused by wear and tear or gradual deterioration.
  • Damage to property and contents due to pollution of any kind

Claim Process

In the event of loss, following are immediate actions to be taken
To intimate to the insurer the occurrence of loss, submit estimate of loss.

  • To take all steps to reduce and minimize the extent of loss / damage and liability.
  • To extend full co-operation to the insurer and the surveyor appointed for completion of the survey work and for proper assessment of the loss.
  • Provide documents such as, claim form, claim bill, copy of Policy etc.
  • Keep the damaged property under the safe custody until advised by the surveyor / insurer regarding its disposal.
  • Identification of the subject matter insured.

Why Choose PrishaPolicy

5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.

Customer-Centric Culture

For us, you always come first. Our products and services are designed to find the best coverage for all.

A Decade of Market Leadership

Our teams expertise and experience makes them the perfect guides in choosing a policy that fits your needs.

Reliable and Consistent

Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.

Guided Policy Assistance

Our experts are forever ready to assist you through each policy detail with a fine-tooth comb.

Claims Assistance

Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.

Still Thinking About It?

Get on a call with us. We take pride in being associated with you for competitively managing your risks with the best insurance covers and delivering a stress-free experience.

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Questions You Might Have

What is General Insurance and what are the different kinds of General Insurance?

General Insurance is essentially Non-Life Insurance. It offers protective coverage for assets other than life. Depending on the kind of asset insured, there are different kinds of General Insurance, such as:
  • Health Insurance, which insures the health of the policyholder
  • Home Insurance, which covers residential properties
  • Vehicle Insurance, which covers automobiles, cars, and other kinds of vehicles, depending on the specific terms of the policy
  • Travel Insurance, which insures the policyholder against several mishaps/accidents that could occur during travel
  • Can I buy General Insurance online? And is it safe to do so?

    Buying General Insurance online is certainly possible. In fact, a number of insurance service providers, including ICICI Bank, offer the option to avail of General Insurance coverage online. And while we're on this subject, it's not only safe to buy General Insurance online, it's also beneficial in a number of other ways. The advantages of buying insurance online include quicker and easier application, lower premiums and the ability to read the documentation first-hand.

    What is the eligibility criteria for purchasing General Insurance?

    The exact eligibility criteria for General Insurance depends on the kind of insurance you are looking for, the terms associated with the policy and the insurance provider you choose. Different kinds of insurance pose different insurance eligibility criteria. For instance, Health Insurance policies may contain age limits and require you to undergo a medical examination. Travel Insurance may come with eligibility criteria related to the nature of travel. To truly understand the eligibility criteria, it is best to read the terms and conditions of the policy carefully.