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Home Content Insurance

Home insurance policies guard your home against any damage occurred due to natural calamity or accident.

Benefits of Home Insurance

Subscribing to a comprehensive home insurance policy gives you the following benefits:

  • Complete coverage against any financial liabilities arising from the damage or loss of your home and its contents.
  • Additional coverage against incidents like thefts and burglaries, and even earthquake cover for areas prone to natural disasters.
  • Dynamic product with a quick turnaround time
  • In case any calamity strike, a timely substantial payout brings in much needed relief in an otherwise difficult situation.
  • Complete mental peace for the homeowner regarding safety.
  • Why do you need home insurance?

    When you buy a property to live in with your family, you want to do all you can to ensure your safety. But just putting fancy locks and alarm systems in place is not enough to keep your home safe, as it cannot save you from natural or man made disasters. For the all round protection of your home, a home insurance policy is highly recommended. A basic home insurance policy covers against fire and other related acccidents perils like floods and storms. A comprehensive package policy however is better as it also insures the policyholder’s house against burglaries and other unexpected breakdowns.

    Home Insurance Coverage

    A typical home insurance policy offers protection against:

    Natural disasters - These include incidents or fire, floods, storms, hurricanes landslide and the likes

    Man-made causes - Riots, explosions, acts of terrorism, missile tests causing damage. In the modern times that we live in it is of utmost importance to seek all round protection for your home and its contents. The following add on covers are therefore available for the benefit of policyholder:

    Cover for domestic appliances - Most modern homes have expensive gadgets such as one or more television sets, a washing machine, refrigerator, air conditioners and the likes. This additional cover for appliances offer protection in case of the damage of any of these appliances in case or a fire or any other cause of breakdown due to unnatural circumstances.

    Cover for valuables - Policyholders opting for home content insurance can also seek additional coverage against the loss or damage of valuables such as jewelry, expensive accessories and sensitive documents (investment or business related) in case of loss or damage due to natural or man made disasters.

    Exclusions

    Home content insurance, does not offer protection in case of the following:

  • Property is still incomplete and under construction.
  • Negligent usage that leads to damage.
  • Dynamic product with a quick turnaround time
  • Damage due to natural wear and tear and depreciation.
  • Loss of specific items(jewelry or sensitive documents) unless additional cover is purchased and specified clearly in the original policy document.
  • Documents Required

    A home content insurance policy can be purchased online instantly. However, a policyholder will need the following documents while claiming the policy:

  • Name and personal details of the policyholder
  • Completed application form for claims
  • Brief description of losses faced
  • Certificates in case of death or physical disability of the policyholder
  • Certificates and original hospitalization documents.
  • Any other documents as may be required by the insurer
  • How Credit Sudhaar can help you?

    There are a number of home insurance policies available today and as a homeowner it can be confusing for you to choose the right policy for yourself. This is where we step in with our expertise. We, at Credit Sudhaar, can assit you with the following:

  • Assessing your home and its contents and giving you an accurate estimate of the coverage you will need.
  • Helping you to understand if you need extra coverage and to what extant
  • Understanding the geographical risks of the area your reside in if any.
  • Complete comprehension of inclusions and exclusions of the policy
  • Getting you the best possible deal and value for money
  • Helping you with settling your claims as and when required.
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