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Universal Sompo General Insurance Company Limited is a joint venture between Indian banks – Allahabad Bank, Karnataka Banka and Indian Overseas Bank, an Indian investment company, Dabur Investments and a Japanese insurance company, the Sompo Japan Insurance Company. The Sompo Japan Nipponkoa Insurance Inc. is a leading Japanese insurance provider and is the largest property and casual insurance company in the country of Japan. Universal Sompo has its headquarters at Mumbai where it started its operations in the year 2007. Among the various types of insurance that is offered by the company, there is a Householder’s Insurance policy that will protect the home and assets of its customer’s home and assets against many unfortunate and unforeseen circumstances.
A home is something more than just walls and beams, it is a place of comfort and safety, where dreams are built, memories are made and families grow. Universal Sompo home insurance policy also called as the Householder’s insurance policy offers protection to your home and its valuable contents including furniture, electronics, precious metals, etc. against both man-made as well as natural situations and circumstances.
A home a place of security and peace; it’s a place we retreat to, a place of safety from the world. It is a place where dreams are built and they grow, where families come together and lives are made. Thus, our homes are much more than cement and brick, they are much more than four walls and windows and door. Our homes are an investment both in financial terms as well as in, time and memories.
And if you want to ensure financial cover for your paradise, then Universal Sompo Householder’s insurance policy is important as it seeks to protect this investment against everything that will harm it.
Universal Sompo Home insurance policy covers all the perils that can cause loss or damage to your house. Moreover, Universal Sompo is a rapidly growing insurance provider in India, it strives to become a trusted leader in the insurance industry; it provides simple yet innovative solutions for various types of insurance.
Universal Sompo is an ideal insurance company for those looking for robust home insurance plans that are provided efficiently and quickly, with comprehensive coverage benefits. Given below are some of the benefits and advantages of purchasing householder’s insurance from Universal Sompo:
To provide its customers with the financial stability and protection, Universal Sompo has created a householder’s insurance policy that provides coverage against a wide range of natural calamities such as fire, explosion, etc. and man-made disasters like theft, robbery, aircraft damage, and the likewise. The coverage is categorized under ten different headings, which are as follows:
A further detailed explanation and exploration of each category is given below:
The insureds’ home and all the contents within it are protected in the light of the following circumstances:
The Sum Assured for assets must be on Reinstatement Value Basis. Here assets should be understood to mean – The building, permanent fixtures, fittings, electrical fans, tube lights and domestic appliances.
Loss and damage to the customers’ property and the contents within the property are protected in the event of a burglary. The following items are covered:
Valuables such as jewellery and precious items, which even be kept in bank lockers are covered under the Householder’s Insurance plan. This coverage extends to loss or damage to the jewellery or valuables while they are worn during travelling and/or any social function occasioned by theft, robbery, fire or any such other unfortunate event.
Under this section of Universal Sompo householder’s insurance policy, the following loss or damages are covered:
Personal Accident compensation is provided along with the Householder’s Insurance plan by Universal Sompo. Death, permanent partial disability and permanent temporary disability are all covered in this section. This section of the insurance plan provides coverage for bodily injury that leads to the death or disability leading to:
A Workman’s compensation protects the customers’ liability towards his or her domestic employees. This goes into effect if the employees if they suffer an injury during their employment. This compensation is extended towards death of the domestic help or their legal heir as well.
Universal Sompo’s Householder’s Insurance provides a public liability that compensates the customer in the event of a claim that arises because of a third party bodily injury/ death that occurs within the insured premises. The same applies for any damage to property that occurs on the premises.
For detailed understanding of Universal Sompo householder insurance policy you can refer to the policy wordings.
The insurer is not liable to pay for claims arising under the following circumstances:
Universal Sompo’s Householder’s Insurance plans can be applied through the following means:
Potential customers can dial the Universal Sompo Sales helpline of the company and talk to a customer service representative.
Universal Sompo Home Insurance offers three ways to pay the premium
You need to sign a debit mandate for the direct debit. Thus, you don’t have the stress to remember the premium due date.
You can check the policy details online or via toll free number.
If you are a registered user, simply login to e-Portal with your username and password.
There are three ways of renewing your policy with the company.
You get a free look period of 15-days in which you can cancel the policy and premium will be deposited in your bank account, post deduction of incurred charges on your medical examination and the stamp duty charges.
For policy cancellation you can contact or email as given below:
Letter: Universal Sompo General Insurance Company Ltd.,
Plot No - EL-94,KLS Tower, TTC Industrial Area, MIDC, Mahape, Navi Mumbai 400710