- Landslide Insurance
- What Is Landslide Insurance?
- Benefits of Landslide Insurance
- What Is Covered Under Landslide Insurance?
- What Is Not Covered Under 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.Read more
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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.
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.
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:
The landslide insurance provides cover for the following:
The landslide insurance does not provide cover for the following:
Follow the steps mentioned below to raise a claim under the 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:
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.
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.
Ans: No, the insurer will not provide cover for the debris removal.
Ans: You can purchase the insurance plan online from the insurer’s official website as well as policybazaar official website. You can even pay for the insurance plan online.
Ans: Yes, you can renew the insurance plan online as well as add or remove any particular add-on as per your requirement. For every removal of add-on, the premium will be decreased and for every addition of add-on, the premium amount will be increased.
Ans: No, the insurer does not include the deductible according to the policy norms.