Home Insurance
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Home Insurance
You’ve worked hard, saved diligently, in which you have invested your lifetime saving and built a home that provides security for you and your loved ones. Home insurance is a form of coverage designed to protect your house, its furnishings, and valuable possessions from various man-made and natural disasters. This insurance generally covers damage to both the exterior and interior of the home, as well as injuries that may happen on the property. By safeguarding your home, belongings, and potential liabilities, home insurance offers both peace of mind and financial protection.
What is Home Insurance?
Home insurance is designed to provide you with financial compensation to repair or replace items in the event of a mishap. This could cover: I. Replacement of stolen items after a burglary II. Repairs needed to due storm damage III. Rebuilding costs following a fire or flood To receive this compensation, you’ll need to file a claim with your insurer. They will review your claim to determine your coverage and the amount you will be reimbursed.
Why should buy Home Insurance Policy?
Waterlogging Damage Coverage
Your property insurance covers damages caused by waterlogging and the resulting impact on your home.
Long-Term Coverage Options
You can choose coverage for periods between one to five years, reducing the need for yearly renewals.
Home Building Damage Coverage
The policy protects your home from fire, natural disasters, and accidental damages.
Personal Belongings Protection
If your personal belongings (like appliances, furniture, or jewelry) are lost due to burglary or other events, they are covered under the policy.
Additional Living Expenses
If your home becomes uninhabitable due to an accident, the policy covers the cost of temporary accommodation.
Easy Claim Processing
With an in-house claims team, any claims you file will be processed quickly and efficiently.
What Is Covered under Home Insurance?
- Natural Disasters: Storms, cyclones, typhoons, hurricanes, tornadoes, floods, inundation, and earthquakes.
- Water Damage: Bursting or overflowing of water tanks, equipment, and pipes.
- Impact Damage: Damage caused by vehicles or animals directly contacting the property.
- Civil Disturbance: Losses from riot, vandalism, or terrorism.
- Fire and Explosions: Damage caused by fire, explosions, or implosion.
- Theft or Attempted Theft: Losses from theft or any attempted theft.
- Robbery & Dacoity: Loss or damage resulting from robbery or dacoity (violent theft).
- Alternate Accommodation: If your home becomes uninhabitable due to an insured event, our policy provides coverage for temporary accommodation, ensuring you have a comfortable place to stay until your home is livable again.
- Accidental Damage: Our insurance plan protects expensive fittings and fixtures from accidental damage, ensuring that both homeowners and tenants can safeguard their valuable belongings.
What Is Not Covered under Home Insurance?
- War-related events: This includes damage caused by invasion, military actions, or any conflict-related activities such as hostilities or war-like operations.
- Damage from hazardous materials: This includes loss or damage resulting from radioactive substances, toxic chemicals, or explosives.
- Criminal acts with intent: Losses arising from intentional criminal actions, such as arson, theft, vandalism, or other illegal activities, are not covered.
- Wilful negligence or misconduct: Insurance will not cover damage caused by deliberate actions or gross carelessness, such as intentional harm to property or reckless behaviour that leads to loss or damage.
Add -Ons under Home Insurance
Choose from a variety of add-on coverages to enhance your policy's protection.
Loan Payment Protection
In the unfortunate event of an accident that leads to the insured's death or disability, this add-on provides coverage for any outstanding loan payments.
Fixed Glass & Sanitary Fittings
This add-on covers accidental damage to fixed glass and sanitary fittings in your home.
Baggage
If your baggage is lost or damaged due to an accident or other incidents, you can add this coverage to your plan.
Electronic Equipment
You have the option to include coverage for your electronic devices, minimizing your financial liability in the event of damage.
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Home Insurance FAQ:
Home insurance can cover the loss, damage, or theft of personal belongings, including furniture, electronics, jewelry, and clothing, both inside your home and sometimes outside (e.g., while traveling).
If your home is uninhabitable due to an insured event, home insurance can provide coverage for alternative accommodation (temporary housing) until your property is repaired.
Yes, many insurers offer flexible term options, allowing you to choose coverage from 1 to 5 years, eliminating the need for annual renewals.
Filing a claim usually involves contacting your insurer’s claims department, providing necessary documents (photos, receipts, police reports), and following their instructions. Many insurers also offer online claim submission for convenience.
Home insurance is not legally required in most places, but if you have a mortgage, your lender may require it to protect their investment.
Yes, many insurance policies allow you to add extra coverage for specific items or situations, such as high-value jewelry, home business coverage, or accidental damage. These are often called “add-ons” or “riders.”
