Policy snapshot
A comprehensive, customizable insurance policy that protects both the structure and contents of your home against multiple risks including fire, burglary, liability, and accidents.
What is Householder’s Package Policy (HPP)?
The Householder’s Package Policy offers complete protection for your home, valuables, and family against fire, theft, and accidents. Burglary and terrorism coverage can be added for all-round safety.
What can it cover?
- This policy covers the residential building and household items against fire, explosion, earthquake, storm, flood, and similar perils. It also includes burglary and theft cover for valuables like jewelry, electronics, and furniture. Personal accident cover for family members and third-party liability for incidents within the premises can also be added. Terrorism coverage can be opted in for enhanced protection.
Who should consider it?
- Homeowners and tenants with expensive household items, Families looking for bundled coverage of property, valuables, and personal liability, Urban dwellers and professionals wanting comprehensive home protection
Key features to understand
- {"heading": "Key Features", "bullets": ["Covers building and household contents under fire and allied perils", "Burglary and housebreaking covered by default or as an add-on", "Personal accident and third-party liability available", "Option to insure electronic items, jewelry, and works of art", "Terrorism cover can be added at extra cost", "Custom modules for tailor-made protection"]}
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.