A home insurance policy protects you from the risk associated with the loss/damage that may be caused to your home and/or its contents due to any unpredictable events. Having this protection is important because home is your one of the most valuable asset and it takes a fortune to build your dream house and decorate it with precious contents.
A home insurance policy has the following coverages:
We are sure that you must have checked these coverages under your home insurance plan before purchasing the same. But, did you check the exclusions of your home insurance policy? Yes, it is equally important to know what is not covered in your home insurance policy, so that you sail through the home insurance claims process smoothly.
General exclusions of a home insurance policy in India
Typically, a home insurance policy does not cover loss/damage done to your house/contents in the following scenarios:
We hope that you go through your policy document carefully and understand not only the coverages, features, benefits, inclusions and premium details of your home insurance policy, but, have a clear understanding of the exclusions of your policy as well. Having the knowledge of the things not covered in your home insurance policy will let you file a legitimate claim and save you from the trouble of going through a claim settlement process that ultimately rejects your claim.
At Bajaj Allianz, we understand the financial pressure that any loss/damage to your prized possessions can bring and thus, we offer My Home Insurance Policy, which takes care of your finances in case of an unfortunate event.
Read more about Home Insurance on the Bajaj Allianz General Insurance website.
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