Everything You Need to Understand in Home Insurance Policy: Inclusions and Exclusions

In India, there are many insurance companies offering various home insurance plans. Some of the common types of home insurance plans include home insurance for homeowners, housing society, and tenants. So, you must choose an insurance plan according to your requirement and the condition of your home.

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Inclusions of Home Insurance Online Plans in India

To fulfill the varied demands of each individual, there are various home insurance companies in India offering a broad range of home insurance plans. Also, to get the best policy according to your need, it is always suggested to search thoroughly and buy home insurance online.

In the below paragraphs, we have explained the most popular home insurance inclusions offered by major leading home insurance companies-

Standard Fire and Special Perils Inclusion

This type of home protection cover offers coverage against fire outbreaks and special perils. All kinds of house owners and tenants can buy this plan. In this home insurance online plan, the sum insured is calculated based on the cost of reconstruction of the building.

Some other risks included in this are-

  • Damages or losses to the insured house due to natural calamities like thunder & lighting, storms, hails, landslides, rockslides, cyclones, bush/forest fires, floods, etc.
  • Damages due to man-made disasters like riots, strikes, explosions/implosions, vandalism, etc.
  • Damage caused to the insured house by direct contact of rail or road vehicle.
  • Damages due to overflowing or bursting water tanks, taps, pipes, and home appliances.
  • Damage caused to the insured house due to leakage or overflow of liquid from automatic sprinkler installations.

Home Structure Coverage

A home structure cover is also known as a home building insurance plan. This cover protects your building from different kinds of risks.

Some of the inclusions in this are-

  • The policy offers protection for any permanent fixtures in your house, including kitchen fittings, bathroom essentials, and damages to the ceiling or roof of the insured building.
  • This policy offers coverage for the damages to the garages, sheds, and outdoor rooms that are part of your home structure.

Public Liability Coverage

Public liability coverage protects if any guest or third party causes damage to the insured property. This cover protects you against the liability to compensate for the physical harm caused to your insured house by any third party.

Personal Accident Cover

This type of cover offers financial protection for you and your family in case of an accident that might lead to physical injury, permanent disablement, or fatal death.

Burglary & Theft

It gives you cover in case of burglary or theft in an insured house. It includes personal belongings that are stolen or damaged.

Content Coverage

Content coverage refers to heavy possession that is inside the insured house and requires protection. Having this cover as an inclusion will protect the goods inside the insured house. This includes items like television, refrigerator, and other electronic devices. Your important documents are also covered under it.

Moreover, it helps you when you replace the interiors of your house in case of any mishaps including floods or house fire which has led to a huge breakdown.

Tenant's Coverage

As a tenant, you can also buy a home insurance plan for your rented house. The best option for you will be to protect the contents instead of opting for the building cover. This option is available for all the tenants who live in a rented place. Also, it is essential as a tenant to protect your contents if you are residing in a rented house.

Landlord's Coverage

As a landlord, it is your responsibility to keep your renting house secure. The standard home insurance policy usually does not fulfill all of the requirements of a landlord. That is why if you are the one who owns a house and keeps it for renting purposes then you must look for landlord coverage in your home insurance policy, as it will cover things like loss of rent and protect public liability.

Exclusions of Home Insurance Online Plans in India

A home insurance policy does not cover certain risks that might damage your house structure and its content. Below we have mentioned a list of exclusions in your home insurance policy-

  • Damages due to the intended destruction of your insured house.
  • Damages to any property constructed under a restricted area.
  • Damage to the home structure or contents that were not insured previously and added as new.
  • Damages to the insured house due to the carelessness of the homeowner.
  • Damages caused to the insured property that does not have valid evidence at the time of raising claims.
  • Any loss or damage to the insured house due to burglary or theft when you left your house unused for more than 30 to 45 days.
  • Damages to the insured house due to regular wear and tear.

Final Thoughts

Buying a house comes with a big responsibility and you must protect it from all risks under any condition. Before buying a home insurance online plan, it is suggested to search the plans on the internet, compare plans offered by different home insurance companies, & choose the one which is accurate for your home structure and gives you comprehensive coverage.

Written By: PolicyBazaar - Updated: 05 April 2022
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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