Sabtu, 02 Januari 2016

Home Insurance Estimate



Home Insurance Estimate
 

To protect ones’ property, home insurance is one of the greatest investments that a person can make.  Home insurance play a pivotal role in making up your financial losses in case any disaster strikes. Here’s a guide to everything about home insurance that would help you protect your home

·         What is home insurance?
 Home insurance or homeowners insurance reimburses a person for the losses in his home and for his possessions inside the home. Home insurance serves as a property insurance that provides protection to private homes against losses.

·         What all damages does home insurance cover?
 Most home insurance policies cover the damage for * Fire * Explosion/Implosion * Aircraft Damage * Impact Damage * Lightening * Missile Testing Operations * Bush Fire * Bursting and/or overflowing of water tanks, apparatus and pipes * Man-made Calamities * Leakage from Automatic Sprinkler Installation * Burglary & Theft * Subsidence and landslide including rockslide.

·         What all damages does home insurance not cover?
Home insurance policies do not cover the damage for * Loss of painting, works of art and antiques * Loss of cash, cards, stock or other documents * Loss or damage occurring when the home remains unoccupied, for a long period (usually 30 days) * Loss or damage to any illegally acquired property * If the section of the house is used for commercial purposes * Loss to illegally acquired property * Loss on account of livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts and documents of any kinds.

·         What all are the things to consider while insuring a home?  
Insure your property and ensure you get best from insuring your property against fire, theft, and damage made by tenant or from other natural calamities. Have you insured your property?  We bring a new Feature for you to choose from a wide range of Semi Furnished, Fully Furnished and Unfurnished houses
A person insuring his/her home should be truthful to state the correct value and the insured object to the insurance company. * To insure your appliances, you should clearly mention all the elaborate details like the name, the manufacturer, the value, purchase year, specifications and others for an easy settlement of claims. * For appliances, one should ensure that the sum insured covers the replacement value of the appliance. * It is important that you inform the insurance company of you have replaced any insured item so as the policy is revised. * One should also inform the insurance company if they’re leaving the home for more than four years. * If one sells the property during the insured period, the insurance policy can be cancelled and one can claim the premium back on pro-rata basis.

·         What is the householder’s policy?
Householders’ insurance policy helps people to a large extent in case of a theft, fire or any damage to their household goods. This policy not only protects your house from unpredictable events, but it also covers house owner’s personal properties like jewellery, laptops, audio and video equipment, furniture etc.






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