Householder Package Insurance (Home Insurance)

Passionate – Dedicated – Professional

Householder Package Insurance (Home Insurance)

Comprehensive protection for your home (building structure) and contents (household items, valuables) against fire, theft, natural disasters, and various other perils.

Coverage Sections

Building Insurance:

Covered Perils

Fire, lightning, explosion
Storm, cyclone, typhoon, flood, inundation
Earthquake
Impact damage (vehicle, aerial devices)
Bursting or overflowing of water tanks
Subsidence and landslide
Burglary/theft damage to building
Riot, strike, malicious damage

Contents Insurance:

Covered Items

Household goods, furniture, fixtures, fittings
Electronic items, home appliances
Clothing, personal effects
Gold, silver, jewelry (up to specified limits)
Paintings, antiques, valuables (declared separately)

Additional Covers Available:

Extended Protection

Public liability (injury to domestic help, visitors)
Tenant’s liability
Loss of rent (if house becomes uninhabitable)
Alternative accommodation costs
Pedal cycle coverage
Personal accident cover for family members

Who Should Purchase:

Homeowners
Tenants (for contents coverage)
Landlords renting out property

Sum Insured

Building: Current reconstruction cost (not market value)

Contents: Total value of household items and belongings

Premium Factors:

Location, age of building, construction type, sum insured, security measures

Key exclusions:

Wear and tear, depreciation
War, nuclear risks
Consequential losses
Willful damage

Passionate – Dedicated – Professional

what people are saying

Hear what our valued clients have to say about their experience with BP Risk.

Excellent service for my family’s health insurance and term plan. They explained everything clearly and helped me choose the right coverage.

Priya Sharma – Retail Client

Made buying home insurance so simple. Great support during claim settlement too. Highly recommend for individual insurance needs.

Deepak Verma – Retail Client – Kolkata