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Home insurance which is generally known also as home insurance is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, additional living expenses or loss of any other personal possessions of the owner of the property, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Additionally, home insurance provides financial protection against unforeseen calamities. A standard home insurance policy insures the home along with all the objects kept inside. it's also called building insurance, property insurance, house insurance or home insurance.
Benefits of Home Insurance
houses from any
Policy premiumrates are
lower than other insurance policies
fire & allied perils and
burglary under one policy
coverage to content and structure of your home.
Does cover in Home Insurance
Vandalism or malicious damage
Loss or damage by war
Doesn't cover in Home Insurance
Loss or damage by Wear & Tear
Cost of Land
Loss or damage by nuclear war
Why Home Insurance is important in your life?
Buying a home insurance in India will provide you financial stability in the event of damage. In exchange for premium, the insurance company gives you assurance that they will take care of any losses like natural calamities, missile test damage, fire, burglary, etc that might occur due to damage to your property.
Prevent your home from depreciating due to calamities
It is always good to be prepared for the unexpected as one cannot predict unforeseen conditions such as floods and cyclones or earthquakes. Insure your home to make sure that the value of your home doesn’t depreciate.
Maintain your home such that it was built the previous day
Dreams come true when you build the home you once dreamt of as a child. But you fulfil your dream only when you insure your house and focus even on the maintenance of your abode. Our policy covers maintenance aspects too!
Cover all structures on your land
Even though you have structures such as a pent house or a garage which are not attached to your house but exist on your property, get your home insurance from us as we cover unattached structures also.
Cover your valuables such as jewellery
Do you have a hard time in remembering the password to the locker in which you store valuables? Are you scared of losing them due to a theft or a burglary? Make your insurance with us and get it all covered.
Cover additional costs of worst living conditions
In worst case scenarios, one needs to move out of the house due to uninhabitable conditions which act as obstacles in performing day to day activities.
Tips to choose a home insurance policy
Home insurance is a way by which one can protect their home from unforeseen disasters. Let us look at those who are eligible to apply for home insurance:
Advantages of Home Insurance
How to Apply for Home Insurance
Type of Health Insurance Plan in India
Why do I need a Home Insurance?Buying a home insurance in India will provide you financial stability in the event of damage. In exchange for premium, the insurance company gives you assurance that they will take care of any losses like natural calamities, missile test damage, fire, burglary, etc that might occur due to damage to your property.
For how much time can I take the Policy?From a minimum of 3years to 30years.
What are the eligibility criteria to buy a home insurance?For Individuals - Any resident Indian who is the owner or occupant of the property For Society - Any authorized member of society's managing committee can buy policy to cover society building & common utilities.
Does the Insurance Policy covers "Rent Loss"?Yes
What if I sell the property during the Insured Period?You can cancel the policy and take the proportionate premium back.