- Home Content Insurance
- Why Home Content Insurance?
- Benefits & Features of Home Content Insurance
- Inclusions under Home Content Insurance
- Exclusion under Home Content Insurance
Any home is incomplete without some utility and aesthetics. Hence, it is equally important to safeguard these belongings that you've worked so hard to buy. A home content insurance comes in handy just for this situation; be it natural calamities or incidental damages or burglary at home, your valuables like electrical goods, jewelry, and furniture will always be protected.Read more
Protect your house from calamities & valuable contents from thefts starting @ ₹125/month*
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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*For 50 lakhs Structure Value
Table of Content
Nowadays many home insurance companies in India are providing different home and contents insurance plans focusing on the valuable items that are necessary. A home belonging or a home content insurance is specially designed to protect your home's hard-earned valuables.
There are also many plans that protect your home contents comprehensively with additional benefits; however, the exact coverage will depend on your plan provider. Most home content coverage is applicable on items like clothes, jewelry, furniture, and electrical goods. This facility is extended to rented homes as well, or if you decide to move your house.
Everyone dreams of having their own house at some point. Your property is valuable and thus, it should be protected. Here are some features that many home content insurance covers provide:
Given the vast nature of valuables, many companies have several unique benefits that they offer. Some of the common coverage extents are given below:
Please note that this list is not exhaustive nor applicable to all the policies. For exact coverage go through the policy wordings.
In many cases, a home and contents insurance plan will not provide any reimbursement or other benefits:
In case of any unfortunate events that may result in damage or loss of your home valuables, immediately contact your insurer so that you know how to prepare for the claim procedure. As inconvenient it may be, try to notify your insurance provider about any damage or loss as soon as you discover it. You can do so through their emergency helpline or the registered email ID.
Make sure to keep the necessary documents handy so that you can raise a claim.
The company may require evidence and explanation to substantiate the claim for which you may produce your own invoices, vouchers, etc. There will be investigators/surveyors appointed by your insurer who may require your absolute assistance to carry on with the proceedings.
The most commonly required documents are given below:
Most insurers pay for the damages by reimbursing the cost of repairs or by providing the cost of the lost item at the mentioned sum insured.
Depending on the tenure of your household contents insurance, you can get your plan renewed. The cover is offered for anywhere between 1 to 5 years which depends on the plan and insurer you are opting for.
You can renew the policy by visiting your insurance company's website and logging into your existing account. Make sure to keep your policy number ready. After paying for the policy online, your policy will be renewed.
Nothing speaks louder than numbers; with millions of Indians trusting and using our site, here are some reasons to buy home belongings cover from Policybazaar:
You can save some money by opting for annual premium payments instead of monthly direct debits that may have an additional charge. You can also carefully remove additional covers that you may not need which will help reduce your premium.
The insurer will reimburse you for the amount used in the repair of your insured damaged household contents that got damaged. In case of theft, the reimbursement will be for a similar new content as per the sum insured price.
Yes, there are several tenants' contents insurance plans now being specially made for renters. However, if you decide to change your residence then you must inform your insurer or their customer support so that all necessary record changes are updated.
You can do so by visiting policybazaar.com or the official site of the insurer online. Make sure that you compare plans before buying one. In case of any confusion, you can also write to Policybazaar Insurance Broker Private Limited at firstname.lastname@example.org.