🚫 What’s Not Covered in Home Insurance? (Comprehensive Home & Property Insurance Plans | Protect What Matters Most)
- Normal wear & tear
- Intentional damage
- War-related destruction
- Damage due to negligence
- Unauthorized construction or illegal structures
📝 Add-On Covers You Might Need
1. Jewelry and Valuables
Extra protection for your gold, diamonds, and expensive electronics.
2. Home Office Equipment
Working from home? Insure your laptops, printers, and devices.
3. Loss of Rent
Receive rent if your property becomes temporarily unusable.
📈 Benefits of Buying Home Insurance Online
- Easy comparison of top policies
- Instant quote and purchase
- Hassle-free renewal and claims
- Online customer support
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💡 How to Choose the Right Property Insurance
1. Assess Your Home’s Value
Insure based on the cost to rebuild, not just market price.
2. Calculate Content Value
Make a list of electronics, jewelry, appliances, and furniture.
3. Choose the Right Deductible
Higher deductibles reduce premium but increase out-of-pocket expenses during claims.
🧾 Documents Required for Home Insurance
- Property ownership proof
- Identity documents (Aadhaar, PAN, etc.)
- Utility bills (for address proof)
- Valuation report (for high-value properties)
💬 How to File a Home Insurance Claim
Step 1: Notify Your Insurer
Call or use their online portal to report the incident quickly.
Step 2: Submit Required Documents
Photos, police reports (if theft), bills, and repair estimates.
Step 3: Get Surveyed
The insurance company will send a surveyor to assess the damage.
Step 4: Claim Settlement
After approval, the claim amount is reimbursed or settled with service providers.
📉 Tips to Lower Your Home Insurance Premium
- Install burglar alarms and fire extinguishers
- Bundle with other insurance (like car)
- Opt for long-term policies
- Choose a higher voluntary deductible
🧭 Difference Between Home Insurance & Renter’s Insurance
| Feature | Homeowner’s Insurance | Renter’s Insurance |
|---|---|---|
| Structure Cover | ✔️ | ❌ |
| Content Cover | ✔️ | ✔️ |
| Liability Cover | ✔️ | ✔️ |
| Landlord Protection | ✔️ | ❌ |
📌 Internal Link: Explore More on Insurance
Want to learn about other types of insurance that matter? Check our article on Travel Insurance or dive into Life Insurance for complete family protection.
✅ Conclusion
Your home is your sanctuary—and insuring it is one of the smartest decisions you can make. With Home & Property Insurance, you’re not just protecting bricks and mortar, but years of memories, investments, and security. Choose the right policy, keep your documents ready, and rest easy knowing you’re fully covered.
🙋 FAQs on Home & Property Insurance
1. Is home insurance mandatory?
No, but it’s highly recommended—especially if you’ve taken a home loan.
2. Does it cover damage from termites or rodents?
Generally no, unless specified under an add-on or special clause.
3. Can renters buy property insurance?
Yes! Renter’s insurance protects your personal belongings even if you don’t own the property.
4. How is the premium calculated?
Based on property value, location, age, and chosen coverage.
5. Can I transfer my insurance if I sell my house?
You need to inform your insurer and get the policy endorsed or canceled as needed.