Comprehensive Home Protection
Protect your home and household contents against fire, theft, natural disasters, and other covered risks.
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Household Insurance is a specialized property insurance solution designed to protect homeowners and tenants against unforeseen financial losses arising from damage to their home and household contents caused by covered risks such as fire, lightning, earthquake, flood, storm, theft, and other insured perils. It provides financial assistance for repairing, rebuilding, or replacing insured property, helping reduce the financial burden caused by unexpected events.
In Nepal, Household Insurance provides coverage for residential buildings and household contents, subject to the policy's terms, conditions, exclusions, and the selected sum insured. Depending on the policy, coverage may also be extended to include additional risks and optional benefits.
Household Insurance is available with different coverage options to suit the needs of homeowners and tenants. By protecting both the building and valuable household belongings, it offers financial security and peace of mind against unexpected property losses.
Essential protections such as Household Insurance are often overlooked until individuals or families experience unexpected damage to their homes or valuable belongings. However, Household Insurance is designed to provide financial security by helping manage the cost of repairing or replacing insured property following covered events.
Without Household Insurance, losses caused by fire, natural disasters, theft, or other unforeseen incidents can result in significant financial hardship. Repairing or rebuilding a home and replacing damaged household contents can place considerable strain on personal savings and long-term financial stability.
Therefore, while the primary purpose of Household Insurance is to provide financial protection against property damage and loss, there are several important reasons why having adequate household insurance coverage is beneficial for homeowners and tenants in Nepal.
Choose coverage for your residential building, household contents, or both, depending on your protection needs and financial requirements.
Household Insurance policies are designed to provide comprehensive financial protection for residential properties and household belongings. The main features include:
Together, these features make Household Insurance an essential financial protection solution, helping homeowners and tenants safeguard their homes and valuable belongings with confidence.
We value every customer with a VIP-level experience, delivering prompt support, transparent guidance, and insurance coverage tailored to protect your home and valuable belongings against unexpected risks.
Protect your home and household contents against fire, theft, natural disasters, and other covered risks.
Our claims process is streamlined for speed and simplicity, with a significant number of claims settled promptly. A digital-first approach minimizes paperwork and ensures faster turnaround times.
Whether it is a weekday, weekend, or public holiday, our support team remains available 24/7 to assist you with queries, claims, or policy updates.
Choose the coverage and sum insured that best match the value of your home and household belongings.
With a strong branch network and accessible support channels, Ajod helps customers receive reliable insurance services and assistance whenever required.
Receive assistance with policy servicing, renewals, endorsements, and claim-related queries throughout your policy period.
Insurance helps reduce unexpected financial strain and keeps renewal and claims journeys clearer when losses occur.
Provides financial assistance for repairing or rebuilding your home and replacing insured household contents damaged by covered events such as fire, theft, or natural disasters.
Helps safeguard valuable belongings, including furniture, electronics, appliances, clothing, and other insured personal possessions against covered risks.
Choose coverage for your residential building, household contents, or both, based on your protection needs and financial requirements.
Knowing that your home and valuable belongings are financially protected allows you and your family to focus on what matters most during unexpected situations.
Helps reduce the financial impact of major property losses, protecting your savings and supporting a quicker recovery after covered incidents.
Visit one of our nearest branch or contact our customer support team.
Select the Household Insurance plan and coverage that best suits your home and protection needs.
Provide your personal details along with the proposal form details.
Complete payment and any required KYC verification as guided by our team.
You'll receive policy documents hard copy along with SMS confirmation. Policy Pdf file will also be sent to your email address.
You can easily avoid Household Insurance claim rejections by just paying a little more attention to the following factors.
Carefully read your policy to understand the covered risks, exclusions, deductibles, and claim conditions.
Ensure all information regarding your property and household contents is accurate when purchasing the policy.
Keep ownership documents, purchase receipts, photographs, and other supporting documents safely for claim purposes.
Notify United Ajod immediately after a covered incident so the claim process can begin without unnecessary delays.
After an insured event, take practical measures to protect the property from additional damage wherever it is safe to do so.
Provide all required documents, estimates, photographs, and supporting evidence within the specified timeframe to avoid delays or claim rejection.
You can access United Ajod through these options:
Download our mobile app from the App Store or Google Play.
Visit our website at https://uail.com.np for detailed information.
Household Insurance generally provides coverage for residential buildings and household contents against covered risks such as fire, lightning, earthquake, flood, storm, theft, and other insured perils, subject to the policy terms, conditions, and exclusions.
The maximum coverage amount depends on the selected Household Insurance plan and the sum insured chosen for the residential building, household contents, or both at the time of policy purchase.
Yes. Depending on the selected policy, Household Insurance can provide coverage for insured household contents, including furniture, electronics, appliances, clothing, and other personal belongings against covered risks.
Common exclusions may include normal wear and tear, gradual deterioration, intentional damage, losses caused by negligence, and other exclusions specified in the policy wording. Please refer to your policy document for the complete list of exclusions.