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HOME INSURANCE

ABOUT

A home insurance policy covers the different types of perils which a house and/or its contents face. It can be taken to cover the losses incurred by natural and man-made perils by the structure of the house and/or its contents.

A home insurance policy covers financial losses and can be taken by homeowners as well as tenants to cover the relevant risks to which they are exposed to.

HOME INSURANCE

BENEFITS

STRUCTURE INSURANCE

A home structure insurance policy can be taken to cover the loss suffered by the structure of the house, i.e. the walls and roof, due to natural or man-made perils.

CONTENTS INSURANCE

A home content insurance policy can be taken to cover the loss or damage of contents of the home like appliances, furniture and fittings, personal belongings, jewellery and valuables, etc.

COMPREHENSIVE INSURANCE

A comprehensive home insurance policy covers both the structure as well as the contents of the home from natural and man-made perils and allows the most inclusive scope of coverage. This cover is suitable for individuals who own and live in their own homes.

OPTIONAL EXTENSIONS

To make a home insurance policy more comprehensive in its scope of coverage, various optional coverage extensions are allowed at additional premiums. Policyholders can choose the extensions as per their needs and make their policy customized.

FIRE AND ALLIED PERILS COVER

Damages suffered due to fire, lightning, explosion, riots, terrorism, missile testing operations, aircraft damage, etc. are covered under this head.

BURGLARY & THEFT COVER

If the homeowner suffers any loss due to burglary or theft where the insured contents of the home are lost, the policy pays the cost of replacing the lost contents.

COVER FOR ADDITIONAL STRUCTURES

Additional structures of the home like garage, lawns, pools, etc. can also be covered under the scope of the home insurance policy for complete protection.

COVERAGE AND PREMIUM

The sum insured of the policy depends on the type of policy chosen. Under structure insurance plans the cost of rebuilding the damaged property is usually taken as the sum insured while under contents insurance plan the cost of the contents being insured would be considered to be the sum insured. Premium of the policy depends on the sum insured and the risk and is usually low and affordable.

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