Home Shield
Property InsurancePopular
Sum assured
Rs 50 L
Premium / yr
Rs 8,000
Term
1 yrs
Entry age
—
About this plan
Complete home protection against fire, earthquake, flood, theft, and other natural and man-made hazards.
What's included
Key highlights
- Earthquake cover
- Theft protection
- Full home cover
Features
- Fire & allied perils
- Earthquake cover
- Flood cover
- Theft protection
- Contents cover
Eligibility & term
- Policy term
- 1 year (renewable)
Pros & cons
Pros
- Comprehensive home protection including earthquake
- Contents cover available for furniture/electronics
- Rs 50 lakh coverage for entire home
- Natural disaster protection (critical in Nepal)
- Theft coverage included
Cons
- Higher premium than basic plans
- Building valuation required
- Deductible applies on earthquake claims
- Contents cover is separate add-on
What affects your premium
- Property value (rebuilding cost)
- Construction type (RCC/brick/wood)
- Location and earthquake zone
- Contents value if included
- Security features (reduces premium)
How to claim
- 1Report damage immediately
- 2Do not alter damage scene
- 3File FIR for theft claims
- 4Surveyor inspection within 48 hours
- 5Submit repair estimates
Best for
HomeownersEarthquake-prone areasValuable propertyRenters (contents cover)
What's not covered
- War and nuclear damage
- Intentional damage
- Wear and tear
- Land value (structure only)
- Damage from illegal activities
Other plans from Himalayan Everest Insurance
Premium / yr
Rs 8,000