Which home insurance product you are talking about. RSA has two as per their website - Home Shield Online and Home Content Online?
But as per Home Content Insurance
Exclusions - The Company shall not be liable in respect of :
1- First Rs.1000/- for each and every claim
2- Loss or damage due to defects in design, material or workmanship or otherwise for which the manufacturer or supplier of the insured items is responsible either by law or under contract or any amount recoverable under the terms of maintenance agreement.


So only Electrical and Mechanical breakdown is covered.