A house is made of walls and beams; a home is made with love and dreams.”
There is no such place like home in the entire Universe. After all, it is a place where you and your loved ones can rejoice, weave thousands of memories that last for a lifetime. While we put our life’s savings into buying or constructing a home but we rarely realize that our home needs a protection in the form of insurance too. By investing in a good home insurance policy, also referred as home owners insurance, you can protect your home from threats. Situations like burglary, fire, earthquake or destruction of house due to riots are quite common in India. Don’t wait for a calamity to remind you the need of buying a home insurance, opt for it beforehand!

There is no denying of the fact that house insurance is a must, however, there are other benefits and riders to buying such a policy that will add convince you totally. Have a look below:

• Get comprehensive coverage to both content and structure of your home.
• Secure your assets from any mis-happening.
• Buy home insurance policy at comparatively lower premium rates than other insurance policies.
• Reduce stress and tension level for you’ll have a home insurance to fall back to, in case of unforeseen circumstances.
• Timely insurance payouts allow families to go through rebuilding process quickly, helping them to move on and get back to their normal daily lives.

Inclusions in Home And Property Insurance

Home insurance covers losses to the structure and content of your home due to natural and man-made calamities.

Fire and perils cover-

• Aircraft damage
• Fire
• Lightning
• Riot, strike
• Storm, cyclone, flood
• Missile testing operations

Earthquake Cover

The policy offers coverage against loss or damage to any of the insured property. However, many policies do not cover flood or overflow of the sea, rivers and lakes due to earthquake.

Burglary and Theft Cover

The contents of home are also covered against burglary or theft. The coverage will also be extended to silver articles, jewellery, precious stones and other valuable items, provided these are kept in a locked safe within your home premises.