Your home is your shelter and a very large part of your earnings goes into selecting, finalizing and designing it. It is a kind of investment that is planned and decided after serious discussions and thinking.

Home insurance is a type of security that will give you a cover for any kind of loss and damages that have occurred because of man-made or natural calamities on your home or the contents of your home.

The amount of cover of home insurance in India depends on the total cost of the construction of the house and the value of the assets available in the house.

The home insurance policy gives you the option to choose the amount of cover. You can also choose the contents of your home that you would like to be covered.

The policy covers the losses to the structure and contents of your home due to natural or manmade calamities like:

  1. Fire
  2. Lightning
  3. Impact damage
  4. Aircraft damage
  5. Explosion/implosion
  6. Storm, cyclone, typhoon
  7. Riot, strike, malicious and terrorism damage
  8. Subsidence and landslides
  9. Flood and inundation
  10. Impact damage
  11. Earthquake

Home insurance is no more considered as luxury, but a necessity. The need of having a home insurance has increased so much that today, many mortgage companies refuse to give a loan for a residential property if the buyer does not have a home insurance. However, with the constant rise in cost of living, affording house property insurance may sound to be an expensive affair to many of you. Thus, in this article we bring you some simple tips which can help you save a lot on the premium towards your home insurance in India.

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