IndiaBanks.org · independent research

Insurance

House Holders Insurance Policy - National Insurance

House Holders insurance policy covers losses and damages to an individual

Policy typeGeneral insurance package combining household property sections with a personal-accident section.InsurerNational Insurance Company Limited.Temporarily removed contentsCovered for up to 120 days in aggregate and up to one-tenth of total contents sum insured
Official product page ↗Compare category

Quick eligibility check

House Holders Insurance Policy - National Insurance

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your age meet this requirement: The personal-accident section applies to the insured and permanently residing family members named in the schedule who are aged 16 to 65 years?

Published source: Entry age

2Does your age meet this requirement: No separate age rule is published for the property sections?

Published source: Entry age

3Do you meet this requirement: The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities?

4Do you meet this requirement: Sum insured should be 100% of value at risk (VAR)?

5Document checkDo you have this required document or proof: Immediate notice to National Insurance of an event likely to give rise to a claim?

6Document checkDo you have this required document or proof: For theft: police complaint and practical steps to recover the property?

7Document checkDo you have at least one of these required documents: Detailed loss or damage particulars, explanation and supporting evidence within 14 days after immediate notice?

8Document checkDo you have this required document or proof: For bodily injury: prompt written notice within 14 days, medical certificates and evidence required by the company; immediate medical treatment?

0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
House Holders Insurance Policy official banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeGeneral insurance package combining household property sections with a personal-accident section.View source
The wording is a bundled household policy with property/content sections and a separate Section IX personal-accident cover.
Source
House Holders Insurance Policy — National Insurance policy wording
Page / section
Sections I–IX; schedule and personal-accident section
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
InsurerNational Insurance Company Limited.View source
The official policy document is titled House Holders Insurance Policy — National Insurance.
Source
House Holders Insurance Policy — National Insurance policy wording
Page / section
Policy title and insurer wording
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Temporarily removed contentsCovered for up to 120 days in aggregate and up to one-tenth of total contents sum insuredView source
The page limits temporary removal to 120 aggregate days and one-tenth of total sum insured.
Source
House Holders Insurance Policy - National Insurance
Page / section
Contents coverage
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Jewellery and valuablesAccidental loss or damage within India, subject to policy termsView source
The page includes jewellery and valuables against accident or misfortune in India.
Source
House Holders Insurance Policy - National Insurance
Page / section
Valuables
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Householder policy eligibilityThe National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).View source
The official overview and features sections publish eligible occupancies, locations and VAR basis.
Source
House Holders Insurance Policy - National Insurance
Page / section
Overview / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Householder policy sectionsThe bundled policy has 10 sections. Published highlights include building/contents fire and special perils, stock and fixtures/fittings, burglary, all-risk jewellery/mobile phones/valuables, personal accident, and terrorism under the applicable GIC Pool coverage.View source
The official page describes the ten-section bundle and its published highlights.
Source
House Holders Insurance Policy - National Insurance
Page / section
Highlights
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Temporary removal limitFor contents temporarily removed and carried in transit to another temporary residence in India, the cover applies for up to 120 days in a policy period and liability is capped at one-tenth of the sum insured under the section.View source
The official Section 1A text publishes the duration and liability cap.
Source
House Holders Insurance Policy - National Insurance
Page / section
Highlights — Section 1A
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Householder claim noticeFor theft, the insured must immediately notify the police and insurer and provide detailed loss particulars within 14 days. Bodily-injury claims require prompt written notice and in any event within 14 days of injury.View source
The official Claims Procedure publishes the notice and 14-day document deadlines.
Source
House Holders Insurance Policy - National Insurance
Page / section
Claims Procedure
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Sum insured / coverBuilding and contents are insured at 100% of value at risk; section limits are schedule-based, including ₹25,000 television liability and ₹10,000 pedal-cycle liability.View source
The policy requires building and contents sums insured at 100% of value at risk and publishes section-specific liability limits.
Source
House Holders Insurance Policy — National Insurance policy wording
Page / section
Property sections and liability limits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Entry ageThe personal-accident section applies to the insured and permanently residing family members named in the schedule who are aged 16 to 65 years. No separate age rule is published for the property sections.View source
The personal-accident wording limits named insured persons and permanently residing family members to ages 16–65; the property sections do not state a general customer-age threshold.
Source
Householders Policy Doc
Page / section
Page 13 — Section IX: Personal Accident
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Policy termThe policy period is the period shown in the schedule; the personal-accident wording refers to the annual character of that section. The reviewed page and PDFs do not print one universal duration independent of the schedule.View source
The wording expresses benefits and limits for each period of insurance and says the personal-accident section retains its annual character; the schedule controls the actual dates.
Source
Householders Policy Doc
Page / section
Pages 2–5 and 17 — period of insurance and annual character
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsThe policy excludes, among other things, loss caused by war and related hostilities, nuclear risks, deliberate or wilful acts, employee/family involvement in burglary, wear/tear and mechanical or electrical breakdown where the relevant section excludes it, use of pedal cycles for racing or hire/reward, theft of specified valuables and documents, and liability arising from the insured's profession/business or alterations to the premises.View source
The listed exclusions are taken from the section-specific Special Exceptions clauses across the complete policy wording; the controlling policy wording prevails.
Source
Householders Policy Doc
Page / section
Pages 2–3, 8–13 and 16–18 — section-specific special exceptions
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Claim requirementsProperty claims require immediate insurer notice, police reporting for theft and detailed loss particulars with supporting evidence within 14 days. For personal-accident claims, the policy lists a completed claim form, doctor’s report, original policy, death certificate and police/post-mortem evidence where applicable; disablement claims require disability and diagnostic evidence as applicable.View source
The wording requires immediate notice and evidence for property loss and the personal-accident section enumerates claim-form, medical, identity-of-loss and police documents.
Source
House Holders Insurance Policy — National Insurance policy wording
Page / section
Pages 1–3, General Conditions and Claims Procedure; pages 14–16, Personal Accident claims
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Personal-accident claim timelinesPersonal-accident claims require written notice immediately; death notice must be before interment/cremation and in any case within one calendar month; notice for loss of sight/hearing, amputation or disablement is due within one calendar month. Necessary documents and the completed claim form are due within 30 days of the loss, evidence requested later within 14 days, settlement is offered within 30 days of final documents and payment follows within 7 days of acceptance.View source
The personal-accident conditions publish the one-month notice windows, 30-day document deadline, 14-day evidence response and 30-day/7-day settlement-payment windows.
Source
House Holder Policy — National Insurance product literature
Page / section
Pages 14–16, section 6.9.5 Conditions
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsCovered for up to 120 days in aggregate and up to one-tenth of total contents sum insuredView source
The manually reviewed product record states: “Covered for up to 120 days in aggregate and up to one-tenth of total contents sum insured”.
Source
House Holders Insurance Policy - National Insurance — official product page
Page / section
Published product metadata
Accessed
20 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Covered for up to 120 days in aggregate and up to one-tenth of total contents sum insured

Eligibility

  • The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Immediate notice to National Insurance of an event likely to give rise to a claim
  • For theft: police complaint and practical steps to recover the property
  • Detailed loss or damage particulars, explanation and supporting evidence within 14 days after immediate notice
  • For bodily injury: prompt written notice within 14 days, medical certificates and evidence required by the company; immediate medical treatment
  • For the personal-accident section: completed claim form; attending-doctor report; original policy; death certificate, post-mortem/coroner report and /panchnama where applicable
  • For disablement: disability certificate from a government-registered medical practitioner where applicable, diagnostic reports/X-rays and police inquest report where applicable
  • Any writ, summons, legal process, information or assistance relevant to a liability claim

Related official documents

house holder policy 09 11official-product-document · current · accessed 15 Aug 2026
↗
householders policy doc 09 11official-product-document · current · accessed 15 Aug 2026
↗
House Holders Insurance Policy — National Insurance — official page and policy documentsofficial-product-page-and-pdfs · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

I — Fire and special perils · Published cover / limitBuilding and contents; sum insured should be 100% of value at risk

This value is copied from House Holders Insurance — ten-section cover summary. Check the table notes before relying on it.

Source: House Holders Insurance Policy — National Insurance · Official page — Highlights; linked policy wording — sections I–X, pages 1–18 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsHouse Holders Insurance — ten-section cover summaryThe bundled sections and explicit limits or age rules published on the official page and policy wording.View tableHide table

Scroll sideways to view every column

House Holders Insurance — ten-section cover summary
SectionPublished cover / limit
I — Fire and special perilsBuilding and contents; sum insured should be 100% of value at risk
II — Burglary and housebreakingContents excluding money and valuables; burglary/housebreaking/dacoity/robbery terms apply
III — All risks (jewellery and valuables)Jewellery and valuables against accidental loss or misfortune anywhere in India; item limits are schedule-based
IV — Plate glassFixed plate glass at the insured premises; schedule-based limit
V — Domestic appliancesMechanical/electrical breakdown of scheduled appliances; replacement-cost basis subject to section terms
VI — Television setsTV/VCR/VCP loss or damage; legal liability up to ₹25,000; antenna-caused property damage up to ₹3,000
VII — Pedal cyclesFire, burglary, theft and accidental means; legal liability up to ₹10,000
VIII — BaggagePersonal baggage while travelling anywhere in India; item and aggregate limits are schedule-based
IX — Personal accidentNamed insured/family aged 16–65; capital sum insured and benefit percentages are schedule/policy based
X — Public liability and employees compensationHouseholder liability subject to schedule; public-liability compensation/litigation expenses up to ₹25,000 per accident and period
  • The official page says the policy comprises 10 detailed sections. Section-specific exclusions, excesses and schedule limits control claims.
House Holders Insurance Policy — National Insurance · Official page — Highlights; linked policy wording — sections I–X, pages 1–18 · accessed 29 Aug 2026Open official source ↗
Table 2 · 6 rows · 2 columnsHouse Holders Insurance — personal-accident claimsDocuments and timelines published for the personal-accident section.View tableHide table

Scroll sideways to view every column

House Holders Insurance — personal-accident claims
Claim itemPublished requirement
Death noticeBefore interment/cremation and within one calendar month
Disablement noticeWithin one calendar month of loss of sight/hearing, amputation or disablement
Claim documentsCompleted claim form, doctor’s report, original policy, death certificate and police/post-mortem documents where applicable
Disablement evidenceGovernment-registered medical disability certificate, diagnostic reports/X-rays and police inquest report where applicable
Document submissionWithin 30 days of loss; further evidence within 14 days of written demand
Settlement/paymentOffer within 30 days of final documents; payment within 7 days after acceptance
House Holder Policy — National Insurance product literature · Pages 14–16, section 6.9.5 Conditions · accessed 31 Aug 2026Open official source ↗

More from Bank of Baroda

Related products

Accident Care Individual Insurance Policy

Individual or family personal-accident cover underwritten by Star Health, with accidental death, permanent and temporary disablement, cumulative bonus and optional medical, hospital-cash and home-convalescence benefits.

View product

Arogya Sanjeevani Policy - National

A standard National Insurance indemnity health policy distributed through Bank of Baroda, available on an individual or floater basis with ₹1 lakh–₹5 lakh sum-insured options, hospitalisation and day-care cover, 5% co-pay, published waiting periods, full premium matrices and lifelong renewability.

View product

Auto Secure Private Car Package Policy - TATA AIG

Tata private-car package motor insurance distributed through Bank of Baroda. It combines own-damage cover for accident, fire, theft, natural and social perils with third-party liability, owner-driver personal accident cover, an -based vehicle sum insured and optional add-ons such as depreciation reimbursement, hire car, engine, tyre, roadside and misfuelling assistance.

View product

Auto Secure Two-Wheeler Package Policy - TATA AIG

Tata two-wheeler motor insurance distributed by Bank of Baroda, with liability-only or comprehensive cover, -based own-damage protection, owner-driver personal accident cover, published depreciation schedules and optional roadside, medical, invoice, consumable, personal-accident, engine, electric-surge, battery and tyre/rim covers.

View product