Good Practices in Disaster Risk Reduction for Homeowner

In the last few years, we have witnessed a surge in natural calamities whether it is earthquakes, floods or landslides. However, the weather forecasters can usually predicted any kind of natural calamity hence it becomes vital to be prepared for that disaster. Let us discuss some ways to be prepared for natural calamities.

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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹ 9/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹ 9/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

Outdoor Furniture

If you keep any kind of furniture in your lawn or terrace then you can either keep them inside or you can tighten them up with a rope so they do not get displaced or fly away in case of wind storm. Make sure to check if there are any tools, toys or any other items are lying around as they can also do some serious damage like break the window glass.

Plant Pot/Vase

People who like gardening and keeping plants in their terrace or plant trees in their lawns also have to be prepared before the storm hits their area. Since plant pots/vases can fly away in a wind storm and seriously damage the house from outside, damage the concrete and paintwork or damage the windows. Then at least you can keep the plant pots inside the house until the storm passes by, however, you cannot do the same with trees but you can have a home insurance plan that would cover the damage caused by trees.

Utility Connections

Weather forecasters usually release notifications for natural calamity prone areas such as turning off electricity, gas connection as well as water supply. Doing so can help in preventing water logging in the house, breakage of pipes or avoid fire accidents in the house. Hence make sure to turn them off before the storm hits your locality.

Reasons to Purchase Home Insurance

Apart from the above mentioned points, there are several other reasons as to why you should purchase a home insurance plan.

  • Home insurance plan not only provide coverage to your home structure and cover it against physical damages but also provide coverage for the content inside it.
  • In case of earthquake, the insurance plan provides coverage for the home appliances such as TV, Fridge, Chimney, AC, etc.
  • Apart from this, the home insurance plan provides coverage for manmade disasters such as theft, vandalism, terrorist attacks, etc.

Conclusion

Since you put most of your earnings in to building your dream house, protecting it with home insurance becomes necessary so that in case of any unexpected damage, you do not have to pay for the repairing out of your pocket.

Written By: PolicyBazaar - Updated: 22 December 2022
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Qiuck claim
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Delhi, July 26, 2022
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Amritsar, June 09, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of ₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.

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