+919799771577
+91 9799771577
ashurambhadra@gmail.com

Home Insurance

Home Insurance

Home means a world to us, it is the epitome of our desires and emotions. Many of us invest the savings of lifetime to get a home for ourselves. We need to make sure that it is safe... Home insurance covers the structure of house and the contents which include prized possessions against damage from natural calamities like floods, earthquake, storm and man made events like riots, arson etc.

Benefits and Features of Home Insurance

  • Complete coverage for any damage to your home or it's contents from natural calamities and man made events
  • Complete peice of mind in midst of environmental issues or social unrest
  • Theft or burglary of property and valuables at the insured premises if the homeowner is away
  • Valuable articles cover for silverware, jewelry, art, antiques and costly electronic gadgets, computers are covered
  • Benefits like round the clock customerservice, immediate access to the insurance experts and quick customer service.

Home Insurance and Home Loans

In India, majority of people buy a home insurance while seeking for home loan as it is generally attached with the home loan product. Assuming you have taken a home loan to buy your dream house and definitely you will plan to furnish and decorate it with classy interiors, valuable antiques and latest furniture. It would be heart breaking if the house gets damaged due to fire or natural calamities like earthquake, floods, lightning, thunderstorm etc.

In absence of home insurance you will have to shell out the cost of damage repair(s) from your own pocket which may prove to be very costly. A home insurance plan offers coverages for the building structure and its content, thus securing against any damages to the structure or contents. So you can be assured while paying your home loan EMI that any sudden damage(s) or expense(s) to your home are covered.

What’s Included?

Fire

Your home is a literal brick-and-mortar manifestation of your dreams. Our home insurance solutions protect your dreams against any damage due to fire.

Burglary & Theft

It’s distressing to even think about your house getting broken into. Stay peaceful with our home insurance solutions by insuring your possessions against theft/burglary.

Electrical Breakdown

Breakdown of appliances can disrupt everyday life and come at a cost. Insure them under our home insurance to avoid sudden expenses.

Natural Calamities

Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to flood, and 8% to cyclones? You can’t predict natural calamities; but you can protect your possessions against earthquake, flood, storm, hurricane, etc.

Manmade Hazards

Troubled times can affect your home as well as your peace of mind. Keep it secure with our home insurance solutions against strikes, riots, terrorism, and malicious acts.

Accidental Damage

Just spent a fortune on fixtures and sanitary fittings? Stay worry-free by securing them against accidental damage with our home insurance plans.

Alternate Accommodation

Get shifting expenses, rent for alternative/hotel accommodation, emergency purchases, and brokerage in case your home becomes unfit for living because of any covered cause of loss.

What’s Not Included?

War

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.

Precious collectibles

Loss of bullions, stamps, work of art, coins etc. will not be covered.

Old Content

We understand that all your precious possessions hold emotional value but anything that’s over 10 years old will not be covered

Consequential Loss

Consequential losses are losses that are not the natural result of the breach in the usual course of things, such losses remains uncovered

Willful Misconduct

We ensure that your unforseen losses are covered, however if there's any case of willfully done damage to your property, that remains completely out of the coverage scope of policy.

Third party construction loss

Any damage caused to your property due to third party construction is not covered.

Wear & Tear

Your home insurance does not cover usual wear and tear or maintaince/renovation.

Cost of land

Under circumstances this policy shall not cover the cost of land.

Under costructiond

Home insurance cover is for your home where you reside any under construction property will not be covered.

QUICK LINK
IMPORTANT LINK
CONTACT US
Main Bus Stand Road Near Ambedkar Chowk Teh Bhadra-335501
+91 9799771577
ashurambhadra@gmail.com

Copyright © 2023 Ashuram Modi Insurance Advisor All Rights Reserved ------------------- Developed & Managed By SUPPORTASSISTS

arrow-up
Quick Query