DISHA INVESTMENTS

This Policy has 12 Sections which provide comprehensive protection for your household assets, interests,liability as well as for your personal self, your family members and domestic employees. The Sections are:

• Fire and Allied Perils (Section1)

In this Section your residential building as well as various types of contents are covered against fire, explosion, bursting/overflowing of water tanks, riots, strikes, malicious damage, earthquake, flood, cyclone, landslide etc. 

At no extra charge, we also cover	On payment of additional premium, we cover
Costs to comply with building regulations following a damage.	Professional fees of architects, surveyors etc. for superintendence of building during reinstatement following a loss
Contents moved to any other place to be used as temporary residence.	Debris removal cost
Automatic increase in Sum Insured for a period of 15 days before and after wedding of any of your family member.	Escalation of Sum Insured throughout the year to guard against inflation
This benefit is applicable for risks under Section 2 also.	Loss of rent as landlord and additional expenses on rent whether you are a landlord or tenant.

• Burglary and other Perils (Section 2)

This Section covers the same properties as in Fire and Allied Perils Section against housebreaking, burglary,robbery or dacoity and also impact damage by falling trees/electric poles/lampposts, breakage or collapse of television or radio aerials /satellite dishes and damage by civic authorities in prevention of fire.

• All Risk (Section 3)

This Section covers valuable items such as jewellery, items of gold, silver and other precious meta ls or stones, watches, clocks, photographic equipments, video cameras, telescopes, microscopes, cameras, musical instruments, sporting equipments including guns against accident or misfortune anywhere in India.

• Fixed Glass and Sanitary Fittings (Section 4)

This Section covers accidental breakage of fixed glass and sanitary fittings in your premises including cost of frames/ frameswork, lettering/painting etc. and also accidental damage to goods of your home caused by such breakage

• Electronic Equipment (Section 5)

This Section covers loss or damage to electronic equipments like computers, fax machines, accessories etc. including data carrying material which are installed in your home.

• Home Enterainment Equipment, Portable Computer/Mobile Phones and Pedal Cycle (Section 6 A/B/C)

This Section cover loss or damage to television/video equipment installed in your home, portable computer, mobile phone and electronic diary including data carrying material by accident or misfortune anywhere in the world. 

This Section also covers your pedal cycle against accident or misfortune including third party legal liability for accidental injury, death or property damage caused by the pedal cycle.

• Breakdown of Electrical/Mechanical Appliances (Section 7)

This Section covers sudden and unforeseen electrical or mechanical breakdown of electrial or mechanical appliances installed in your home such as air conditioners, refrigerators, washing machines upto 7 years of age.

• Personal Accident (Section 8)

This Section covers you and your family members against accidental bodly injury leading to disablement (either permanent or temporary) or death along with free additional benefits such as damage to clothing, dead body carriage cost, ambulance charges, loss of employment benefit, education fund for children and rehabilitation cost for insured person to adjust to injuries as well as modification cost of house or vehicle following such injuries.

• Loan Payment Protection (Section 9)

This Section provides protection for repayment of equated monthly installments (EMIs) for loans against various assets such as home, vehicle, consumer durables etc. belonging to you or your family in case of total disability of the insured person due to sickness or injury up to a maximum period of 12 months

• Baggage (Section 10)

This Section covers loss or damage by accident or misfortune to baggage belonging to you and your family members being carried on a journey anywhere in the world for holiday or business purpose.

• Liability (Section 11 A/B/C)

This Section covers you against liability to general public for accidental death, bodily injury or property damage as well as liability to your employees for any injury or death arising out of and in course of employment with you under the Workmen's Compensation Act etc. This Section also covers your legal liability as a tenant under Tenancy Agreement to your landlord for damage to building, electrical installations and other fittings of your home due to perils covered under Section 1 and 2 of this Policy.

• Increased Living Expenses (Section 12)

This Section covers the costs incurred by you following damage to your home by perils covered under Section 1 leading to your home being rendered inhabitable. The costs covered are cost of evacuation for you, your family and domestic employees, emergency medical treatment cost upto certain limits following injuries sustained during damage to your home, cost of hiring furniture and other household goods, cost of removal of home contents, emergency accommodation at hotel/guest house following damage to your home.

At no extra charge we also cover catastrophic emergency expenses to take care of daily food, clothing and shelter following complete damage to your home by fire, earthquake, flood & storm perils and mortgagedischarge fees if there is a total loss of your home under Section 1 of the Policy.