1. Cost of building, foundation & structure
2. Furniture & fixtures
3. All Electrical, Electronic and mechanical machines/items such as Television, Security system, Washing machine, refrigerator, computer  etc.
4. Cash in Safe
5. Jewellery, Gold, bullion  or any other precious metal items, watches etc
6. Fine arts such as painting or any other artwork
7. Or any other items as declared.
8. Repair or replacement cost due to electrical or mechanical breakdown of such item

Home Insurance compensates against financial losses incurred by a customer due to physical damage of property insured because of below circumstances:

1. 1. Fire
   2. Lightning
   3. Explosion/Implosion
   4. Aircraft damage
   5. Impact Damage
   6. Riot, Strike, malicious damage
   7. Storm, cyclone, Typhoon, tempest, flood, Inundation, Hurricane, turnado
   8. Subsidence
   9. Landslide including rockslide
   10. Bursting and/or overflowing of water tanks, apparatus, and pipes
   11. Missile testing operations
   12. Leakage from automatic sprinkler Installation
   13. Bush fire
   14. Earthquake
   15. Terrorism
   16. Burglary
   17. Theft

• Any loss or damage caused by you or your domestic staff direct or indirect involvement in an attempted burglary
• Any loss or damage on account of loss of livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kinds, ATM debit or credit cards, unless previously specifically declared by the company.
• Any loss or damage to any property that is illegally acquired, kept, stored which is subject to forfeiture.
• Any loss or damage occurring while your home is unoccupied for a period of more than 30 days consecutively and if you failed to inform the company about the same.
• Natural wear and tear
• War, invasion related circumstances