An affordable home insurance plan from the company you have known and trusted for over 5 decades. Home Cover gives you comprehensive coverage against any accidental damage caused to your own home or rented property in case of robbery, fire, accidents, or natural disasters for a maximum of Rs. 20 million.

Home Cover is a customized insurance solution for all home owners/renters as it insures home property, home contents, jewellery at home, home owner free rent, home tenants free rent, cash at home and also allows customers to get other value added services at discounted rates.

With Home Cover, you will get peace of mind when you need it most.

Key Benefits

  • Home Content plan offers customers coverage of home contents against the following perils:
    • Fire , Lightening or Explosion
    • Aircraft & other Aerial devices
    • Earthquake, Storm, Tempest & Flood
    • Bursting or overflowing of water tanks
    • Impact by any Vehicle
    • Riot & Strike
    • Malicious Act
    • Burglary, House Breaking including Dacoity
    • Impact of tree falling

    Additionally, IGI provides various free extensions which accompany the basic contents cover:

    • Loss of Money (Forcible entry/exit)
    • Replacement & Installation of locks following break in
    • Accidental Breakage to fixed glass and glass top of furniture
    • Damage to contents by professional packers during household removal

  • Comprehensive Home Insurance

    Comprehensive Home plan provides our customers a well rounded coverage against damage to building and contents including Jewellery and cash at home/locker against the following perils:

    • Fire , Lightening or Explosion
    • Aircraft & other Aerial devices
    • Earthquake, Storm, Tempest & Flood
    • Bursting or overflowing of water tanks
    • Impact by any Vehicle
    • Riot & Strike
    • Malicious Act
    • Burglary, House Breaking including Dacoity
    • Impact of tree falling

    In addition to the basic cover, we offer various free extensions to the home cover:

    • Third Party Liability
    • Fire extinguishing cost
    • Loss of Money (Forcible entry/exit)
    • Replacement & Installation of locks following break in
    • Accidental Breakage to fixed glass and glass top of furniture
    • Damage to contents by professional packers during household removal
    • Death, Permanent disablement arising from accident in residence (Insured 100%, spouse 50% and children 25% )
    • Personal Liability
    • Insured’s legal liability to domestic employee
    • Debris removal cost 5% of building sum insured

    * For further details of policy terms & conditions please refer to policy wordings

FAQs

What are the losses/ perils covered under this policy?

Home Insurance covers natural and man-made calamities.

  • Fire , Lightening or Explosion
  • Aircraft & other Aerial devices
  • Earthquake, Storm, Tempest & Flood
  • Bursting or overflowing of water tanks
  • Impact by any Vehicle
  • Riot & Strike
  • Malicious Act
  • Burglary, House Breaking including Dacoity
  • Impact of tree falling
What is the procedure for assessing the value of my home structure and its contents?

The current reconstruction value of your home structure is assessed as per the area of your home multiplied by the rate of construction per. sq. feet, as on the date of taking the policy. For example, if your home is 1000 sq. feet and the construction rate per sq. feet is Rs. 800/-, then the sum insured for your home’s building structure is Rs. 8,00,000.

On the other hand, the contents are assessed on the market value of the items. This means that if there were a loss, the claim would be paid on the value of purchasing a similar new item, less depreciation for the usage.

I live on rent, why would I require insurance?

We have an option to cover your Contents against fire and allied perils like earthquake, and burglary. Our Home Insurance policy covers your:

  • Household appliances
  • Jewellery
  • Furniture & fixtures
  • Personal items at your home
  • Additional benefit of Home tenants free rent is provided Upto Rs.35,000 spread over 3 months if the premises is rendered uninhabitable as a result of damage by any of the insured perils.
I live in a building insured by my society. Would I need to take additional Insurance?

The insurance that your society provides may offer you a limited cover and generally includes only structure and not contents.

You should buy home content insurance cover for your belongings if the building structure of your house is insured by the society.

Is my home insured if a part of it (room) is used for business purposes?

No. A Home used for business purposes is not covered . A separate policy is however available for premises that are being used for business purposes.

What are the key exclusions of this policy?

The company is not liable to make payment for:

  • Any loss or damage by the insured and/ or insured’s domestic staff direct or indirect involvement in an attempted burglary.
  • Loss or damage to any electrical machine, apparatus, fixture and fittings or to any portion of the electrical installation arising from over running, excessive pressure, short circuiting, self heating or leakage of electricity from whatever cause of electrical or mechanical breakdown.
  • Any loss or damage caused to the insured’s property by cleaning, repair, renovation or routine maintenance.
  • Any loss, destruction or damage caused to the Foundation, Pavement, Plinths, Swimming Pool and tennis court of the insured property, any architectural defaults or faulty workmanship and any pre existing defects.
  • Any theft or attempted theft other than burglary or house breaking attempted by the insured or any family member, relative, friend, domestic helpers, tenants, or anyone who enters the insured’s premises by deception.
What shall be the process for renewal of the policy?

The renewal notice shall be sent to you one month prior to the expiry of the policy after which you may contact the relevant branch for renewal of the policy.

What do I do in case I wish to have the policy cancelled?

The policy may be cancelled by informing the relevant branch through letter stating the reason for cancellation and the date from which the policy is to be cancelled .The original policy & certificate of insurance will also need to be returned with the letter.

What if I sell the property during the insured period?

If the property is sold the premium shall be refunded on short-term basis in case of no claim.

Who do I contact in case of a claim?

For claim intimation please contact on below mentioned helpline Monday till Friday 9:00 AM till 5:30 PM (Friday till 6:00 PM) except public holidays:
021-111 567 567 (City code not needed if dialing from Landline from Karachi)

If three people share an apartment can each one take a separate home insurance policy?

Yes, for their part of the asset.

Claim Filing Procedure

To Lodge your claim, please call IGI General Insurance Office.

Monday till Friday (9:00 AM till 5:30 PM)
Friday (9:00 AM till 6:00 PM) except public holidays.
For Motor Claims intimation & Queries:
            Lahore: 042-111-308-308
            Karachi:021-111-567-567 or 021-111-308-308
            Islamabad: 051-111-308-308
For Health Queries & Approvals: 042-345-03333
For Non-Health/Non-Motor Claims:
           Karachi: 021-111-308-308
           Lahore: 042-111-308-308
           Islamabad: 051-111-308-308

For Submission of documents through courier:

For Head Office & Karachi Branch:
IGI General Insurance Limited
Head Office & Karachi Branch
Suit # 701-711, 7th Floor, The Forum, G-20 Block 9, Khayban-e-Jami Clifton – Karachi, Pakistan
UAN # 92-21-111-308-308

For Lahore:
IGI General Insurance Limited
Corporate office & Lahore Branch
5 FCC SYED MARATIB ALI ROAD, GULBERG II, LAHORE
UAN # 92-42-111-308-308

For Islamabad:
IGI General Insurance Limited
Islamabad Branch
3rd Floor, Kamran Centre, Blue Area, Islamabad
UAN # 92-51-111-308-308

For Filing Online Claim intimation, Please Click Here or send an email at report.claims@igi.com.pk