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Ways to Compare Home Insurance Companies Online

Any loss or damage to your house could depress you financially and emotionally. That is why home insurance companies are offering different types of home insurance plans to protect your house from several risks.However, with the number of home insurance companies available in the market, choosing the right one might be difficult for you.

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Why Choose Home Insurance Plan?

Your house is the most precious possession that needs to be taken care of well from various risks and forces like natural calamities or man-made disasters. 

Hurricanes, hail storms, forest fires, robberies, burglaries, accidents, etc. are some unexpected events that can cause severe damage to your house. 

Therefore, to protect your house from such unforeseen events, a home insurance policy assists you. 

9 Tips to Compare Home Insurance Companies Online 

To choose the right investment plan, first, you need to find the right insurer. As a responsible homeowner, you must have the right home insurance policy that gives you considerable coverage at the minimum premium. 

Below we have penned down some significant tips for choosing the right home insurance company for you-

1. Consider the History  of a Home Insurance Company 

Shortlist the prospective home insurance companies from the internet. Do well research on them. Never stick to one or two companies, instead make a list. Take general feedback about their products and services from their customer feedback and reviews.

Also, you must know their history with the help of the claim settlement process. Go to their social media page, customers' feedback must be there regarding the pros and cons of the policy. This will give you a direction on where to invest your hard-earned money. 

2. Compare Coverage & Premium Amount 

When deciding the type of insurance policy, you must be specific about your coverage. So, before you make the final decision, compare various plans' coverage along with the premium amount.

Moreover, you can check it on Policybazaar.com where you can compare different plans according to your budget, needs, coverage, and premium. After all, these things will be a part of your future expenses, and make sure it is within your budget. 

3. Check the Claim Settlement Turnaround Time 

The purpose of any insurance policy is to raise a claim against damages, without any struggle. Dealing with the loss of the home structure or its valuable content can be a disaster.

So, to avoid this situation, you must check the claim settlement process before finalising the insurer. A quick and hassle-free settlement process shows how efficient a home insurance company is. Thus, it should be your priority, and you must make your investment worth it. 

4. Know Your Coverage Needs 

Each type of homeowner or home structure has its own need. It is better to know what type of coverage you want. Also, home insurance policies are offered based on homeowners and tenants, so choose a plan accordingly.

Also, you must find a plan as per the geographical location of your house, for example- if you are living in an earthquake-prone zone, you must prefer a plan which includes cover against natural disasters. 

5. Always Pick Online Quotes 

You must be aware that insurance policies are also available on the internet. Rather than finding an agent, you should hunt for quick online quotes. Here you do not have to pay a commission to the agent, and also you have multiple options to choose from. You can compare and get the best deal with the maximum benefits.

6. Choose Deductibles While Calculating Premium

While calculating the premium amount, you should also consider the cost of deductibles. The higher the number of deductibles in your plan, the lower will be your premium amount. So, choose your deductibles wisely. 

7. Ask for Quick Quotes from Existing Insurer 

If you are planning to renew an existing plan, or you have already bought any other plan, like health or motor insurance, the best thing is to ask for quick quotes from them. Many insurers offer you a loyalty discount for purchasing different plans from them. Therefore, do not forget to miss them while collecting quick quotes from other insurers. 

8. Check Customer Care Service 

Just like a claim settlement process, the customer care service is also a significant player in knowing the efficiency of a company. You must ensure the pre and post-sale service offered by an insurance company.

To confirm this, check their customer feedback, this will help you gather some practical insight about a brand. Also, you will be sure about their services and can raise any query without any doubt.

9. Choose Independent Agent 

In case, you are sure about buying a home insurance policy online, go for an independent agent. Never pick a captive agent over the independent ones. An independent agent offers you multiple insurance plans by different insurers. Therefore, you will have a choice to compare and choose between them. However, it is advised to buy a home insurance policy online. 

Concluding 

While purchasing a home insurance plan, provide the complete details, address and location of your house. Do not forget to evaluate the value of the home structure and its content. Moreover, you must choose the adequate sum assured or IDV to avoid hassles during the claim settlement.

If you have any query-related technical jargon mentioned in your home insurance plan, connect with your insurer immediately. Do not miss any of the above-mentioned tips to find the right home insurance company for you.

Written By: PolicyBazaar - Updated: 21 October 2024
Disclaimer:The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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Reviews & Ratings

4.7 / 5 (Based on 99 Reviews)
(Showing Newest 10 reviews)
Surendra
Delhi, February 05, 2025
Good Price
I had purchased Bajaj Allianz home insurance, and when there was damage to home equipment due to an electric spark, these damages were covered by the insurance. Got insurance at a good price.
Naresh
Muzaffarnagar, February 02, 2025
Best Deal
I never thought home insurance could be affordable. With Policybazaar, I could compare multiple insurance plans on a single platform. I am glad I got the best insurance plan at a very good deal.
Nalin
Begusarai, January 30, 2025
Easy Renewal
I renewed my home insurance through Policybazaar. Initially, I was unsatisfied with my previous insurer, but my experience with Policybazaar has been good. Very satisfied with their services.
Abhimanyu
Gridi, January 29, 2025
Good Experience
PolicyBazaar has made comparing policies easy, and its agent explained the features clearly. Really happy with my experience of getting a home insurance policy.
Prateek
Patna, January 27, 2025
Expenses Covered
With HDFC ERGO home insurance, I could cover my expenses when our building caught fire. Luckily, no one was hurt.
Dhruv
Jamshedpu, January 24, 2025
Easy Process
Thank you, Policybazaar, for helping me to get the claim approved for my home insurance. Your process was very easy.
Vihan
Etawa, January 21, 2025
Big Help
I had purchased a new flat by taking a home loan. However, after paying the second EMI, there were some issues with the water pipeline, and it burst. The house's walls were damaged, and home insurance through Policybazaar helped me get a claim for my loss.
Ishaan
Lucknow, January 20, 2025
Stress-free process
Exploring different home insurance options felt overwhelming, but PolicyBazaar simplified everything. Their platform helped me compare plans quickly. The team answered all my queries, making the process stress-free.
Kshitiz
Lucknow, January 18, 2025
Easy Process
Thank you, Policybazaar, for helping me to get the claim approved for my home insurance. Your process was very easy.
Rahul
Patna, January 17, 2025
Stress-free process
Exploring different home insurance options felt overwhelming, but PolicyBazaar simplified everything. Their platform helped me compare plans quickly. The team answered all my queries, making the process stress-free.
  • 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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