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Home INSURANCE

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Home Insurance

Stay safe, even when you are at home

Homeowners insurance provides financial protection against disasters. Homeowner's policy is a multiple-line insurance policy, You can avail a home insurance policy with extended cover that offers protection for accidents that are likely to take place in households. The most significant are damage caused by floods, earthquakes, natural digester and poor maintenance.

Advantages of a home insurance policy

When you think about home owner insurance you probably have a few benefits in mind. There are many benefits of securing a suitable home insurance policy. Keeping a homeowners insurance policy grants you peace of mind by insuring against possibly devastating financial loss if damage occurs to your home. . If you choose to buy an online home insurance policy you can easily avoid the hassles of submitting a bunch of documents as online purchase of home insurance in India involves in minimum documentations.

Benefits of securing home insurance from -----

  • You can reap maximum benefits without having to spend a lot on a home insurance policy.
  • One of the biggest home owner insurance benefits is the fact that your investment will be protected.
  • Secure your assets from any miss-happening.
  • You will be informed about all the offers and discounts available on premium.
  • Reduce stress and tension level for you’ll have a home insurance to fall back to, in case of unforeseen circumstances.

Home Insurance Coverage

Homeowner’s insurance policies can be different, as they are catered to the individual homeowner based on their own unique needs. Your selection of cover worth should be according to your needs and budget. You can pick assets that you want to insure and keep them under the coverage. Most homeowner’s insurance policies will cover damage caused by such perils as fire, windstorms, hail, lightning, theft or vandalism. There are other homeowner’s policies that cover additional perils as well.

Exclusions of House Insurance

Home insurance in India doesn't cover radioactive contamination and damages due to nuclear explosive equipment. When you take out Home Insurance, or any kind of insurance for that matter, if you don’t check the finer details of the policy you’re buying , you could be in for a rude awakening. Exclusions narrow the scope of coverage provided by the insuring agreement.Exclusions, in relation to insurance policies, are clauses inserted into the terms of a policy which state what items, or events, are not included in the cover provided.

Why Pricetol?

If you are looking for to buy a Home insurance online, Pricetol can be an right choice. The platform provides you with the best of Home insurance and allows you to buy insurance quotes and compare Home insurance online to enable you to choose the coverage that suits you best.

Does the Home Insurance Policy cover the Natural Disaster?

Yes, home insurance policies normally cover a variety of natural disasters, like earthquake, flood, landslide, fire, hurricane, lightning, etc.

Whether the home insurance policy is valid or not, if I sell the home and it’s Insurance?

If you sell your house and your home insurance policy, it is still valid. The company will withdraw the policy when the ownership of the insurance/home is transferred. The premium that remains for remaining period of the policy will be reimbursed.

What factors affecting the Home Insurance Premium?

The factors that affect Home Insurance premium include -

  • Value of the property and contents in it.
  • Structure of property.
  • Security.
  • Size of property.
  • Location of property.
  • Lifestyle.
  • Claims history

How the Sum assured is computed?

The Sum assured for the formation of your property, and the contents in it are separately calculated. For computing the sum assured for the structure of the property, total built up area is multiplied by the construction cost. The computation is done on the basis of the value of reconstruction of that property, and not on current market value. Finally Sum assured for the contents in a home is calculated by the ACV (Actual Cash Value) of the content or replacement cost.

What are the add-on covers that can be taken in Home Insurance Policy?

To further improve the safety of your home, insurance companies also offer a variety of add-on covers, like -

  • Terrorism Cover add-on to protect against damage due to terrorism acts or activity.
  • Domestic Appliances Cover add-on to protect stuffs, like television, washing machine, air conditioner, etc. from breakdown, theft, fire, etc.
  • Cover for Valuables to protect important/precious things, like sensitive documents, money, jewelry, etc. from damage due to natural or human causes or accident.
Apart from these, several other add-on covers can be purchased along with a home insurance policy. You can get in touch with the insurance company or visit their website to know more and grab the benefit.

For how long is a Travel Insurance Policy Valid?

Validity depends on the duration of your stay and policy in use. However, a travel policy is only valid if you travel for at least two days regular. However, it is important to remind that most companies charge a premium on a minimum of 7 days of travel. The maximum duration for which travel insurance is valid is frequently 180 days which can be renewed for another 180 days on prior suggestion unless it is a multi-trip plan. However, you should always check the duration with the insurance company before buying the policy, it is important.