What is a home insurance policy?

The home insurance policy is designed to protect your house's structure and its contents along with different possessions. Its purpose is to protect your house from damages and calamities that can arise due to earthquakes, floods, and storms. Besides, it can protect your house from artificial dangers like thefts, strikes, burglary, and riots. It can ensure liability coverage against the accidents taking place within a home.

What are the factors covered underneath a  home insurance plan?

Ø  smoke and fire

Ø  tornado

Ø  Protection against heavy icebergs, sleet, or snow

Ø  Lightning and thunderstorm

Ø  Windstorms and hail

Ø  Leakage proof

Ø  Heavy objects that are prone to falling, such as trees or rocks

Ø  Burglary or thefts

Ø  Wildfire

Ø  Plumbing or frozen interior

Ø  Vandalism or riots

Ø  power surges

What are the types of home insurance policies  available in India?

Ø  For tenants

If you're a tenant, you can buy an insurance policy to protect your rented house's contents from damages. It can protect items like fixtures, furniture, jewelry, and electronic items.

Ø  For owners

If you own a house or a property, you can ensure your house's structure or building premises. Besides, you can ensure you're the precious items and contents lying in your house, that too under the same policy.

Ø  For housing society

If you're an office-bearer within a housing society, it's vital to get your building or structure insured along with the other buildings lying in the complex. As per the numerous local laws that govern the housing societies, these are the mandatory requirements.

Benefits of getting your home insured

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