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Home insurance
In case of a burglary or a theft, the policy covers the contents and the objects which are stolen along with covering for damages like breaking of locks etc.
Why every home needs a home insurance ‘Home is where the heart is’. Indeed any place that we call home has a lot of our emotions invested in it. If you are a home owner, not only have you made memories in this special place but it is also one of the priciest and worthiest assets you have. Considering the associated emotions and the fact that it has cost you a mammoth amount of money, it is imperative to keep your home safe and secure. And this is why, it makes sense to spend a little more to get a home insurance and secure your home against most eventualities.
##Benefits of Home insurance A home insurance policy will protect you in following scenarios:
What Does Home Insurance Covers And What It Does Not? Are you confused about buying a house insurance? To make things easier for you, we have compiled a list of things that are covered and not covered by an average home insurance policy. Do you have your own house? Does it have multiple heavy duty locks, CCTV surveillance, a guard? Well, all of this would definitely go a long way in protecting your house, but mishaps still happen. Houses still robbed. And a guard or CCTV can’t protect your house from rain, fire or other natural perils. This is why you need to protect it with a home insurance too. But before you buy a policy, review the inclusions and exclusions. To make things easier for you, we’ve compiled a list of things that are covered and not covered by an average home insurance:
A home insurance will cover damage to or due to The structure: Any damage or loss to your house, the fixtures & fittings inside, and the renovations will be covered if caused by fire, earthquake, flood etc. This also includes extended parts such as garage, drainage, and sewer too. Contents of the house: The coverage also extends to the contents of your home such as valuables, appliances and jewelleries. You are also covered for the loss or damage to them during transportation. Burglary: Should anyone burgle your your house your home insurance would cover you for the loss of your possessions. Alternate accommodation: In the case of a loss to property, you may have to stay in other accommodation for a while. Your policy may reimburse you for such expenses. Liabilities: Certain policies may also cover you for any legal or medical liability that arises out of injury to domestic employees or third party
Home insurance does not cover damage due to… Negligence: Did you forget to lock your house when going out? Or failed to turn off the water heater? If you did not take reasonable measures to care for your house, the home insurance will not apply. Intent: Do not expect insurance protection if you caused loss or damage to your home intentionally. Wear and tear: With regular use, your house and its contents are bound to deteriorate. For example, corrosion or rusting may occur. The policy does not provide for such wear and tear. Unexplained loss: Sometimes, a loss or damage may occur due to mysterious or unknown circumstances. Your policy may not cover those. War: Any consequential loss or losses, destruction, damage or bodily injury due to war, invasion etc. would not be covered. Nuclear and radiation loss: Damage due to ionizing radiation contamination or nuclear weapon will not be covered. Explanations mentioned in “What’s Covered & What’s Not Covered?” are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details
Why every home needs a home insurance ‘Home is where the heart is’. Indeed any place that we call home has a lot of our emotions invested in it. If you are a home owner, not only have you made memories in this special place but it is also one of the priciest and worthiest assets you have. Considering the associated emotions and the fact that it has cost you a mammoth amount of money, it is imperative to keep your home safe and secure. And this is why, it makes sense to spend a little more to get a home insurance and secure your home against most eventualities.
##Benefits of Home insurance A home insurance policy will protect you in following scenarios:
- Fire: In case of a fire breakout, the insurer covers not only the property, but also the furniture.
- Burglary or Theft: In case of a burglary or a theft, the policy covers the contents and the objects which are stolen along with covering for damages like breaking of locks etc.
- Domestic Appliance Failure: If the dent in your pocket due to damaged domestic appliances is a constant fear, home insurance can help you out. It protects against Mechanical &/or Electrical Breakdown to domestic appliances in your home.
- Home Insurance will provide you all above mentioned benefits along with cover for public liability and personal accidents too.
- Numerous natural and man-made incidents could be a concern for the safety of your home, depending on where you live. Home Insurance offers cover from damages from a plethora of causes ranging from explosions, impact by rail/road vehicle, damages due to overflowing tanks, lightning, storm, cyclones, landslides, floods etc. Worried about your possessions when moving to a new city? The Home Insurance policy has you covered against loss or damage during transit too.
- Right from covering additional rent in case your house is severely damaged and rendered uninhabitable due to fire/ other perils or an injury to a third party or a guest in your premises, a good home insurance will help you tide over a tough circumstance without a huge drain on your financial resources.
What Does Home Insurance Covers And What It Does Not? Are you confused about buying a house insurance? To make things easier for you, we have compiled a list of things that are covered and not covered by an average home insurance policy. Do you have your own house? Does it have multiple heavy duty locks, CCTV surveillance, a guard? Well, all of this would definitely go a long way in protecting your house, but mishaps still happen. Houses still robbed. And a guard or CCTV can’t protect your house from rain, fire or other natural perils. This is why you need to protect it with a home insurance too. But before you buy a policy, review the inclusions and exclusions. To make things easier for you, we’ve compiled a list of things that are covered and not covered by an average home insurance:
A home insurance will cover damage to or due to The structure: Any damage or loss to your house, the fixtures & fittings inside, and the renovations will be covered if caused by fire, earthquake, flood etc. This also includes extended parts such as garage, drainage, and sewer too. Contents of the house: The coverage also extends to the contents of your home such as valuables, appliances and jewelleries. You are also covered for the loss or damage to them during transportation. Burglary: Should anyone burgle your your house your home insurance would cover you for the loss of your possessions. Alternate accommodation: In the case of a loss to property, you may have to stay in other accommodation for a while. Your policy may reimburse you for such expenses. Liabilities: Certain policies may also cover you for any legal or medical liability that arises out of injury to domestic employees or third party
Home insurance does not cover damage due to… Negligence: Did you forget to lock your house when going out? Or failed to turn off the water heater? If you did not take reasonable measures to care for your house, the home insurance will not apply. Intent: Do not expect insurance protection if you caused loss or damage to your home intentionally. Wear and tear: With regular use, your house and its contents are bound to deteriorate. For example, corrosion or rusting may occur. The policy does not provide for such wear and tear. Unexplained loss: Sometimes, a loss or damage may occur due to mysterious or unknown circumstances. Your policy may not cover those. War: Any consequential loss or losses, destruction, damage or bodily injury due to war, invasion etc. would not be covered. Nuclear and radiation loss: Damage due to ionizing radiation contamination or nuclear weapon will not be covered. Explanations mentioned in “What’s Covered & What’s Not Covered?” are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more details
