We are available for insurance consultancy.
Main office: 4030-4th Floor, Trade House, Ring Road, Surat-395002.
Call us 0261-4886499/ 090334-76499

Home Insurance

Home insurance is required by everyone who has a home whether own or rented. There is myth that only home-owners should buy a home insurance plan. Let us tell you case of Mr Auman and how having a home insurance policy saved him during a crisis. Two months after Mr Auman moved to a rented apartment in Mumbai, a catastrophic fire engulfed furniture and other appliances worth Rs 8 lakh. Thankfully, he had a home insurance policy and he could manage to settle back to normal life again easily and without any financial stress. It’s a misconception that only house owners should buy a home insurance. Although, house may belong to a landlord but it has contents which belong to you. Irrespective of the fact that whether you are a tenant or owner, buying home insurance should be your top priority. In market there are various insurance companies which provide exciting discounts to people who have bought over 3 home insurance covers. However, don’t let discounts make you buying those covers also which you don’t need. For example, if you are a landlord then avoid buying a policy to cover contents of the house. Leave that to the tenant. Companies also offer discounts if you buy it for a long duration. You can insure the house for up to 10 years, which not only gives peace of mind but you also get a chance to earn lucrative discounts.

Benefits of Home Insurance

There is no point of denying to 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:

  • Secure your assets from any mis-happening.
  • Get comprehensive coverage to both content and structure of your home.
  • Buy home insurance policy at comparatively lower premium rates than other insurance policies.
  • It will reduce your stress and tension in case of unforeseen circumstances.
  • Timely insurance pay-outs allow families to go through rebuilding process quickly, helping them to move on and get back to their normal daily lives.

Exclusions in Home Insurance

  • Loss or damage caused by wear & tear and depreciation
  • Loss of cash or Damage caused by war, invasion, act of foreign country and nuclear war
  • Loss, destruction or damage caused to any electronic equipment due to over-running or excessive pressure