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House provides shelter for living, and it is built upon the emotions and the efforts of the people residing in the house. Coming back to your house gives you a mental peace and warmth after a day's hard work. However, your home might be threatened with damages caused by natural and man-made calamities. Home is an asset, and you must secure it from any threat or damages. Home Insurance is a type of property insurance aimed to protect a home and its contents against damages. A Home Insurance policy provides financial protection in case of any damage happens to your home. A disaster may ruin your house, just buy a Home Insurance and get a cover for your home against losses/damages.Get Affordable Quotes
Any damage to your home could depress you both emotionally and financially, and that’s why you should seek cover to insure your home. Listed below are the top reasons to buy Home Insurance.
Following are the key factors that help compute the premium amount for home insurance.
A right home insurance policy provides cover against all eventualities. Nowadays, specific perils pose the potential threats to the safety of your home and its valuables. By opting add-on covers, you have the option to enhance the protection with your basic Home Insurance Policy.
Following are the key add-on covers, you can opt for:
This add-on cover protects your household items such as television, air conditioner, washing machine, refrigerator, and many more against loss or damage.
This add-on cover provides extra protection to your precious items such as important documents, jewelry, luxury watches, and much more against loss or damage.
This add-on cover provides cover against damage to the structure and/or its content caused due to burglary and theft.Some insurers offer it as an inbuilt cover, whereas with some of them offer it as an add on cover with the base home insurance policy.
Under this cover, the insurance plan covers loss or damage to the insured property due to earthquake or loss or damage due landslide or rockslide occurred, caused by the earthquake. It is an inbuilt cover with some policies, but also offered as an additional cover with the base policy.
This add-on cover provides protection to your house and its contents against the acts of terrorism. It’s a vital cover in today’s times of international disturbances.
If any loss/ damage caused to a third party or their property inside the insured’s home, then the third party liability arises to payoff for such damages. In this scenario, this home insurance policy pays for such damages.
This add on covers the death or bodily injury of the insured person by means of any accident or external force subject to the terms and conditions subject to the limits of the insurer’s liability.
This add-on cover provides protection for expenses towards rent for the time period you have to shift for repair work in your house or due to some calamity your house is damaged. The benefits under this cover is that the policy will cover the additional amount of rent during the specified scenarios.
(The add-on covers and its benefits may vary from insurer to insurer)Select from Top Insurer's
Following are the contingencies that are not included in the Home Insurance Plan:
• Willful destruction of property
• Loss or damage caused by wear & tear and/or depreciation
• Loss of property due to war/ nuclear war, act of foreign country, or invasion
• Loss of cash, antiques and collectibles
• Loss or damage caused to any electronic equipment owing to over-usage
• Loss or damage to property left unoccupied for more than a specified time period
Read the Do’s and Don’ts related to your Home Insurance.
|Provide the complete and correct details, address and location of the house and contents for the evaluation in the proposal form||Conceal or misrepresent facts about the property & its fixtures in the proposal form|
|Have all the relevant documents ready and safe, to prove ownership and the value of the assets insured||Falsify the value of your property while tak ing a home insurance policy to seek lower premiums|
|Assess the premium rates from multiple insurers||Believe blindly on your insurer or intermediary. Research and get answers to all your queries|
|Take adequate Sum Assured to avoid low financial payout at the time of claim||Delay the decision of buying a home insurance if you possess high value content and property|
|Understand the technical jargons mentioned in your policy from an insurance expert to comprehend the benefits correctly||Assume everything is covered. Know about the plan exclusions in detail|