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Landslide Insurance

Landslide is one of the most common natural calamities that take place in hilly areas during the rainy season. Even the smallest landslides can take any building down with it and cause total loss or damage to the homeowner. However, if the homeowner is insured with standard home insurance, it will not provide cover for calamities like landslides. Landslides usually take place during floods because the soil absorbs the water and slides off taking the built-up property along with it. Landslide does not happen overnight, they usually happen when there is a flood-like situation after heavy rainfall.

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Taking the example of Kedarnath flood that is considered as one of the worst floods ever happened in India. The flood causes property damage to almost 4200 villages around Kedarnath. With global warming becoming a major issue working as a slow poison to the earth’s atmosphere, India has witnessed several natural calamities in the last few years that caused damage to many households and severe landslides leading to several property damages.

What Is Landslide Insurance?

Landslide insurance is a type of home or property insurance plan that provides cover for the damage or loss caused to your home during a landslide. Landslide is a phenomenon that takes place in a slope hilly area that slides off of its original place due to gravity and soft texture. Climate change has become a big reason to worry and in hilly areas, landslide insurance can provide cover to the people having their homes in the risk-prone areas of the hills.

However, if you have a basic home insurance plan that might not provide you the cover for a natural calamity such as a landslide as it varies from insurer to insurer. You can easily opt for the add-on provided by your insurer but you will have to pay an extra amount for the landslide insurance premium of the insurance plan.

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Benefits of Landslide Insurance

Landslide insurance can be very beneficial for the people living in hill stations as their homes are prone to accidents that can lead to total damage to the house as well as its content. There are several benefits of landslide insurance and they are as follows:

  • Compensation for Damage: Landslide insurance will provide the insured compensation for the damage caused by a landslide. Since the cost of landslide insurance would be less than the damage caused to your home in a landslide, it is better to get insured than to regret it later.
  • Better Coverage: Since it varies from insurer to insurer when it comes down to the coverage if your insurer does not provide cover for the damage coming out of landslides then you can purchase the add-on for natural calamities that will provide you cover for it.
  • Damage Is Recovered Quickly: When you are insured with the home insurance that provides financial aid for the damage caused then you can get the damage recovered instead of waiting to get save an extra amount and then put it into recovering the damage.
  • Live at Peace: When you know that you have landslide insurance coverage then you can live at peace as you never know when a landslide might take place then being insured with landslide insurance is a smart choice.

What Is Covered Under Landslide Insurance?

The landslide insurance provides cover for the following:

  • Fire: The landslide insurance will provide cover for the damage or loss caused to the structure of the house due to a fire accident.
  • Valuable Damage: The insurance plan will provide cover for the damage caused to the valuable items kept inside the house.
  • Flood: The insurance plan will provide cover for the damage caused due to floods.

What Is Not Covered Under Landslide Insurance?

The landslide insurance does not provide cover for the following:

  • Deductibles: The insurance plan does not include any applicable deductibles as per policy norms.
  • Earning: Any kind of loss or damage of earnings or indirect loss or damage is not covered under the policy.
  • Fees Not Covered: Any kind of fees of the surveyors, architects, or consulting engineer will not be covered under this insurance plan.
  • Debris Removal: The insurance policy will not provide cover for the debris removal.
  • Rent: The insurance plan will not provide cover for the loss of rent after the damage or loss of the home in a landslide.
  • Any Additional Expense: The insurance plan will not provide cover for any of the additional cost coming out of the alternative accommodation renting after the damage caused to your insured home.
  • Lapsed Policy: The insurance company will not provide cover if your policy lapses.

How To Raise A Claim Under Landslide Insurance?

Follow the steps mentioned below to raise a claim under the landslide insurance.

  • Inform The Insurer: Inform the insurer as soon as possible so that they can begin with the process at their end.
  • Take Pictures of The Damage: You can take pictures of the damaged property on your mobile phone that can be used as proof of damage. This will help you later on.
  • Keep Documents Ready: To process the claiming process faster, keep the documents required to be submitted along with the claim form ready.
  • Help Insurer During Inspection: Once you have done your part and raised a claim the insurer will send an inspector to conduct an inspection of the loss and damage caused in the landslide and once satisfied, they will initiate the claiming process.
  • Compensation: Once they are done with the inspection the insurer will begin claiming process and provide the compensation as soon as possible.

How To Renew Landslide Insurance?

A landslide insurance policy comes with a date of expiration and has to be renewed before the expiration date otherwise the policy will lapse and you will have to pay an extra amount to get insured again. Here are the steps that you can follow to renew the landslide insurance plan:

  • Step 1: Visit the official website of the insurer
  • Step 2: Enter the required information such as policy number, your name, etc.
  • Step 3: Now click on the option of renewing
  • Step 4: It will show you the policy details and its status
  • Step 5: If you want you can add or remove any particular add-on and continue
  • Step 6: Now it will show the new premium amount of your edited insurance coverage
  • Step 7: You can pay the premium amount by Credit/debit card, UPI, or Net banking
  • Step 8: Once you have renewed your insurance plan by paying the premium amount, the insurer will send you a confirmation on your registered mobile number as well as email ID.

However, You must renew the insurance plan before the expiration date otherwise the insurer will not provide you cover for the claim raised after the expiration date.

Why Buy From Policybazaar?

Purchasing the landslide insurance plan from policybazaar is recommended because it provides a seamless buying experience to you while purchasing the policy. You can compare different plans and chose the one that fits your needs as well as your budget. You can learn about the policy in detail and calculate the premium amount as well.

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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  • 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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