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Emergency Expense Cover Under Home Insurance


Emergency expense cover

Emergency Expense Cover is a feature in certain Home Insurance Policies which indemnifies policyholders if they ever have to purchase medicines, food, clothing or other similar indispensable items on an emergency basis.

Natural Calamities

Until a couple of years ago, no one could even imagine that the states of East India could experience earthquakes of the severity which they did. In this year (i.e. 2019) alone, India witnessed floods in several areas including Tripura, Odisha, Maharashtra and Kerala.

Home Insurance Policy

As natural calamities are unpredictable and can leave a trial of misery, opting for Home Insurance can be your best bet should you ever need to repair massive structural damage.

Emergency Expense Cover

You could find yourself in a situation where the news channels confirm that a natural calamity is about to wreak havoc in your area in a few hours. You would find yourself rushing to buy emergency supplies to stock your cupboards. You will be, instinctively, stocking up on medicines, canned and packed foods and perhaps some batteries for your torch fearing the possibility of a power outage.

For added precaution, you might also need to stock up on emergency first aid kits, radios, energy bars and sanitary items. These emergency expenses which you would be tackling during this crisis would be paid for by your Home Insurance Policy, if you do end up making a claim for structural damages. This coverage is named Emergency Expense Cover, and it comes as an in-built feature of certain Home Insurance Policies!

To Conclude

Your home is likely to be one of your most significant investments. You should protect it with everything you’ve got. Just as the old saying goes, “Hope for the best, but prepare for the worst”, choose the right Home Insurance Policy today.

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