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  Home Insurance  

Home Insurance

Home holds immense significance for us; it represents our feelings. Many individuals dedicate a lifetime of savings to purchasing a home. To ensure its security, home insurance is essential, as it protects both the building and its contents, including valuable belongings, from damage caused by natural disasters like floods and earthquakes, as well as human-made incidents such as riots and arson.

Benefits and Features of Home Insurance

  • Comprehensive coverage for any damage to your home or its contents due to natural disasters and human-made incidents.

  • Complete peace of mind amidst environmental challenges or social disturbances.

  • Protection against theft or burglary of property and valuables at the insured location, even when the homeowner is not present.

  • Coverage for valuable items like silverware, jewellery, artwork, antiques, and expensive electronics, including computers.

  • Services such as 24/7 customer support, immediate access to insurance specialists, and prompt assistance.

Home Insurance and Home Loans

In India, most people opt for home insurance when applying for a home loan, as it is typically bundled with the loan product. If you've secured a home loan to acquire your dream house and plan to adorn it with elegant designs, valuable antiques, and modern furnishings, it would be devastating if it suffered damage from a fire or natural disasters like earthquakes or floods.

Without home insurance, you would need to bear the repair costs out of your own funds, which can be very expensive. A home insurance policy provides protection for both the structure and contents of your home, alleviating concerns while you pay your home loan EMI, knowing that any sudden repairs or costs related to your home are covered.

What’s Included?

Fire: Your home is a physical representation of your aspirations. Our insurance solutions safeguard your dreams from fire-related damage.

Burglary & Theft: The thought of a break-in is distressing. Enjoy peace of mind with our home insurance that covers your possessions against theft or burglary.

Electrical Breakdown: Failure of appliances can disrupt daily life and incur unexpected costs. Secure them with our home insurance to avoid these expenses.

Natural Calamities: With a significant portion of India vulnerable to droughts, earthquakes, floods, and cyclones, while you can't foresee these disasters, you can protect your assets from them.

Manmade Hazards: Difficult times can impact both your home and peace of mind. Protect your property from disturbances like strikes, riots, terrorism, and intentional harm with our insurance solutions.

Accidental Damage: Recently invested in costly fixtures and fittings? Protect them against accidental damages with our home insurance policies.

Alternate Accommodation: Obtain coverage for relocation expenses, alternative lodging, emergency purchases, and brokerage if your home becomes uninhabitable due to a covered loss.

What’s Not Included?

War: Loss or damage related to war, invasion, foreign enemy actions, or hostilities are not covered.

Precious Collectibles: Items such as bullion, stamps, artwork, and coins are excluded from coverage.

Old Content: While we appreciate the sentimental value of your belongings, items older than 10 years are not covered.

Consequential Loss: Losses that do not occur as a natural outcome of an incident remain uncovered.

Willful Misconduct: While we strive to cover unforeseen losses, intentional damage to your property is not included in the policy coverage.

Third Party Construction Loss: Damage caused to your property due to construction activities by a third party is not covered.

Wear & Tear: Normal wear and tear, maintenance, or renovation costs are excluded from coverage.

Cost of Land: This policy does not cover the cost of land.

Under Construction: Home insurance applies only to properties where you reside; under-construction properties are not included.

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