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Housebreaking

Section 445 of the Indian Penal Code define Housebreaking as “A person is said to commit housebreaking who commits house trespass if he effects his entrance into the house (or any part of it in any of the six ways hereinafter described; or if, being in the house or any part of it for the purpose of committing an offence, or having committed an offence therein, he quits the house or any part of it in any of such six ways that is to say: First : If he enters or quits through a passage made by himself, or by any abettor of the house-trespass, in order to the committing of the house-trespass.Secondly : If he enters or quits through any passage not intended by any person, other than himself or of an abettor of the offence, for human entrance; or through any passage to which he has obtained access by scaling or climbing over any wall or building.Thirdly : If he enters or quits through any passage which he or any abettor of the house-trespass has opened, in order to the committing of the house trespass by any means by which that passage was not intended by the occupier of the house to be opened.Fourthly : If he enters or quits by opening any lock in order to the committing of the house trespass, or in order to the quitting of the house after a house trespass.Fifthly : If he effects his entrance or departure by using criminal force or committing an assault, or by threatening any person with assault.Sixthly : If he enters or quits by any passage which he knows to have been fastened against such entrance or departure, and to have been unfastened by himself or by an abettor of the house-trespass.Explanation : Any outhouse or building occupied with a house, and between which and such house there is an immediate internal communication, is part of the house within the meaning of this section.H.P.R : See Also: “Highly Protected Risk.”

Household

The term, according to the decision in Oldfield v. Scott and Jackson (third party) (Oldham County Court, 24 July 2002), refers to persons with whom the policyholder normally resides at home. Miss Oldfield’s injury was caused by her holiday companion, Scott, who arranged travel insurance that excluded claims by members of the insured’s household. Oldfield did not reside with him and was not therefore a member of his household. The insurer could not benefit from the exclusion. The term is defined in some policies.

Household buildings cover

Most insurers allocate fixed or maximum sums insured that are usually index-linked. Cover may be on an accidental basis in respect of buildings, outbuildings, etc. Additional coverage areas include: alternative accommodation following insured damage; trace and access faults; lock replacement; property owners’ liability; emergency repairs. There will invariably be an unoccupancy clause.

Household contents cover

Contents are defined and can be insured ‘new for old’ or on an indemnity basis against named perils or against ‘accidental damage’ basis. Sums insured are fixed at the outset but index-linked. There is limited cover for contents in the open and theft from outbuildings. Additional coverage areas include: alternative accommodation; loss of water; freezer contents; temporary removal; business equipment; personal liability; occupiers’ liability; employers’ liability for domestic employees. The policy contains an unoccupancy clause. High risk property is subject to an inner limit sum insured and a single article limit.

Household Goods

Clothing, kitchenware, crockery, cutlery, furniture, fixtures, toys, household linens, books, boxes, suitcases, electrical/mechanical appliances, valuables including watches, cameras, antiques and curious, jewellery, television VCR/VCP and such other customary contents of a house.

Household insurances

Private dwellings insurance on buildings and contents. Policies are either ‘comprehensive’, i.e. covering a range of named perils, or on the wider accidental damage basis. ‘New for old’ cover is available in connection with contents. See HOUSEHOLD BUILDINGS COVER; HOUSEHOLD CONTENTS COVER; HIGH RISK PROPERTY.

Household removal insurance

Covers the contents of a house during the house removal process. Household contents policies apply only to property ‘temporarily removed’; also they do not apply to furniture removed to a depository. Removal is usually ‘all risks’ cover and may be subject to a condition that the removal or the packing is carried out by professional removers. Cover applies for up to seven days but may be restricted to 48 or 72 hours.

Householders’ Insurance

Insurance designed to cater to the various Insurance needs of a person in respect of his private dwelling or residence by combining under a single Policy a number or contingencies which are otherwise covered separately. “the perils which could be covered are loss of/or damage to building and/or contents by (i) Fire, lightening, explosion of gas in domestic appliances, bursting and overflowing of water tanks, apparatus or pipes, aircraft or articles dropped therefrom, riot, strike, terrorism, malicious act, Act of God perils (ii) burglary, housebreaking including larceny or theft to contents (iii) all risk for jewellery and valuable, (iv) breakage of plate glass due to accidental external means: (v) breakdown of domestic appliance: (vi) television Insurance (vii) pedal cycle Insurance (viii) baggage Insurance (ix) personal accident Insurance for insured and/or his family, (x) public liability and (xi) workmen’s compensation to domestic servants/driver etc.

Housekeeping

A factor considered in underwriting certain types of policies; for example, property insurance. The term refers to the care and upkeeping of a property.
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A generalized term that refers to the overall care, cleanliness, and maintenance of an insured’s property.
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UK: Fire underwriters’ and surveyors’ term for the general management, tidiness and cleanliness aspects of a risk.