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होम इन्श्युरन्स

होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर

MyHomeInsuranceAllRiskPolicy

Plans Start From ₹45

Safeguard Your Memories, Insure Your Home

Coverage Highlights

Get comprehensive coverage for your home
  • All Risk Coverage

Get comprehensive protection against wide range of risks like accidental fire, lightning, flood, storm, earthquake, accidental damage, theft, burglary and more, except named exclusions

  • जागतिक कव्हरेज

Option to secure your valuables, jewellery, laptops, mobiles, cameras & other portable equipments anywhere in the world

  • Waiver Of Condition Of Average

Under many policies if you under-declare sum insured, then there is a pro-rata deduction from claim payable. However, under this policy proportional deduction will not be applied

  • No Content Declaration

You need not declare list of contents if the content sum insured is above INR 5 Lacs

  • Long-Term Cover

Policy can be issued for a period upto 5 years

  • Restoration Of Sum Insured

If the sum insured is exhausted due to a claim, it will be restored for subsequent claims within the policy year

  • Multiple Plans

You can select plans that are best suited for your needs

  • सोपी क्लेम प्रोसेस

Streamlined and hassle-free claims process to ensure quick settlements

  • 24x7 कस्टमर सपोर्ट

Round-the-clock assistance to address any queries or emergencies promptly

  • टीप

* Indicative annual premium for 1 lakh sum insured

Key Inclusions

What's covered?
  • Home Building Cover

Indemnifies losses to insured building structure (floors, walls, windows, fitted-in sanitary wares/fittings, piping and plumbing, electrical fittings) from all risks except named exclusions

  • Home Contents Cover

Indemnifies losses to Home Contents such as clothing, shoes, furniture, fixtures, retro-fitted sanitary fittings and electrical fittings, crockery, cutlery, steel utensils, other home articles while they are within the specified home premises

  • Portable Equipments Cover

Indemnifies losses happening anywhere in India to your laptops, mobiles, i-pads, musical instrument, hearing aids, fitness trackers, personal medical devices cameras and similar items. You can opt for a global coverage too.

  • Jewellery And Valuables

Covers losses to your declared jewellery items anywhere in India. You can opt for a global coverage too. Sum insured is determined as per the valuation report

  • वैकल्पिक निवासासाठी भाडे आणि दलाली

If your home becomes inhabitable due to covered perils, some plans cover rent & brokerage for alternate accomodation up to a specified limit

  • आणीबाणीची खरेदी

Expenses incurred towards emergency purchase of food, clothing, medicines and similar daily essentials are covered upto INR 20,000 under some plans

  • Architects, Surveyors And Consulting Engineers Fees

Following a loss, these fees are covered up to 3% of the claim amount

  • Debris Removal

Following a loss, destruction or damage to insured property by a covered peril, cost of debris removal is covered up to 1% of the claim amount

Key Exclusions

What's not covered?
  • कपातयोग्य

5% of each and every claim, pertaining to the portable equipment/portable items subject to a minimum of INR 2,500 is deducted

  • Mis-representation/Pre-existing Damages/Structural Defects

Mis-representation/non-disclosure of any material facts/pre-existing damages/structural defects, latent defects, poor maintenance, poor workmanship, poor design, manufacturing defects etc are not covered

  • सर्वसाधारण नुकसान (तुटणे व फुटणे)

Damages due to wear and tear, depreciation, moth, vermin, insects or mildew, process of cleaning, dyeing or bleaching, restoring, repairing, retouching or renovation, inherent vice, warping or shrinkage, the action of light or atmospheric conditions, natural ageing or any other gradually operating causes are not covered

  • Breaking And Cracking

Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, musical instruments, sports gear and similar articles of brittle or fragile nature, unless caused by fire or accidental external means are not covered

  • मेकॅनिकल किंवा इलेक्ट्रिकल ब्रेकडाउन

Loss or damage due to mechanical or electrical breakdown are not covered unless specifically covered under the policy

  • Loss Or Damage To Money

Loss of cash, currency, or similar valuables are not covered unless specifically covered under the policy

  • Loss From Safe

Loss from safe inside insured “building”, by use of the key or any duplicate thereof or access code to the safe belonging to the insured, unless this has been obtained by threat or by violence

  • Dismantling/Fitting

Dismantling, fitting adjustment, repair alteration or modification not approved by the makers/manufacturers and/or their agents. Damage falling under the terms of the maintenance agreement

  • Seepage/ Contamination

Loss, damage or liability arising directly or indirectly from seepage, pollution or contamination

  • इतर अपवाद

Please refer to policy wordings for details

पर्यायी कव्हर्स

What else can you get?
  • की आणि लॉक रिप्लेसमेंट कव्हर

Covers cost for replacing locks and keys of your home and vehicles if they are lost or stolen

  • एटीएम विथड्रॉअल दरोड्यासाठीचे कव्हर

Provides financial protection if you are robbed after withdrawing cash from an ATM

  • पाकीट हरविल्याचे कव्हर

Replacement costs for lost or stolen wallet as well as personal papers and payment cards that were in the wallet

  • श्वान इन्श्युरन्स कव्हर

Insures against death from accidents or diseases of your pet dog covered under the policy

  • सार्वजनिक उत्तरदायित्व कव्हर

Offers protection against legal liability for accidental bodily injury or property damage to third parties

  • कामगारांच्या नुकसानभरपाईचे कव्हर

Covers legal liability towards employees for injury, illness or death arising out of employment duties

  • हंगामी पुनर्वसन कव्हर

Covers expenses for temporary accommodation if your home is uninhabitable following a loss

  • भाडे नुकसानीचे कव्हर

Compensates for lost rental income if your insured property becomes uninhabitable following a loss

Benefits You Deserve

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Safeguarding personal assets

Protect your hard-earned assets with a reliable home insurance

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Safety from Natural Disasters

Unexpected natural disasters can lead to a major financial setback

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Protect your precious property

Ensure peace of mind by protecting what matter most - your home and valuables

At-A-Glance

Compare Insurance Plans Made for You

Plans Offered
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Gold Plan I

Diamond Plan I

Platinum Plan I

Gold Plan II

Diamond Plan II

Platinum Plan II

यासाठी समर्पकः Flats/Independent Buildings/Bungalows Flats/Independent Buildings/Bungalows Flats Flats/Independent Buildings/Bungalows Flats/Independent Buildings/Bungalows Flats
Home Building Cover Market Value Basis: Cost of replacement or repairs to restore to original condition after adjusting for depreciation Reinstatement Value Basis: Cost of replacement or repairs to restore to original condition without depreciation Agreed Value Basis: Mutually determined value while buying the policy Market Value Basis: Cost of replacement or repairs to restore to original condition after adjusting for depreciation Reinstatement Value Basis: Cost of replacement or repairs to restore to original condition without any depreciation Agreed Value Basis: Mutually determined value while buying the policy
घरगुती सामग्रीचे कव्हर New for old basis: Cost of replacement with a new item of the same kind without depreciation New for old basis: Cost of replacement with a new item of the same kind without depreciation New for old basis: Cost of replacement with a new item of the same kind without depreciation Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation Indemnity Basis: Cost of replacement with item of the same kind after adjusting for depreciation
Portable Equipments Cover New for old basis for items upto specified age, else indemnity New for old basis for items upto specified age, else indemnity New for old basis for items upto specified age, else indemnity नुकसानभरपाई बेसिस नुकसानभरपाई बेसिस नुकसानभरपाई बेसिस
Jewellery And Valuables, Curios, Art And Paintings पर्यायी कव्हर पर्यायी कव्हर पर्यायी कव्हर पर्यायी कव्हर पर्यायी कव्हर पर्यायी कव्हर
पर्यायी निवास आणि ब्रोकरेजसाठी भाडे कव्हर्ड नसलेले Covered up to specified limits कव्हर्ड नसलेले Covered up to specified limits Covered up to specified limits Covered up to specified limits
Emergency Purchases Up To INR 20,000 कव्हर्ड नसलेले कव्हर्ड कव्हर्ड कव्हर्ड नसलेले कव्हर्ड कव्हर्ड

पॉलिसी डॉक्युमेंट्स डाउनलोड करा

Get instant access to your policy details with a single click.

Wellness Companion

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits

HealthAssesment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Expand Your Coverage Today!

भाडे नुकसानीचे कव्हर

Tooltip text

Compensates for lost rental income.

Applies if insured property becomes uninhabitable

हंगामी पुनर्वसन कव्हर

Tooltip text

Compensates for lost rental income.

Applies if your home is uninhabitable after a covered event.

की आणि लॉक रिप्लेसमेंट कव्हर

Tooltip text

Covers costs for replacing locks and keys.

Applies if they are lost or stolen.

Starting from

₹ 100 + GST

आत्ताच खरेदी करा

एटीएम विथड्रॉअल दरोड्यासाठीचे कव्हर

Tooltip text

Provides financial protection if you are robbed.

Applies when cash is withdrawn from ATM

Starting from

₹ 150 + GST

आत्ताच खरेदी करा

पाकीट हरविल्याचे कव्हर

Tooltip text

Covers the loss of your wallet.

Includes the cost of replacing contents like cards and IDs.

Step-by-Step Guide

To help you navigate your insurance journey

खरेदी कसे करावे

  • 0

    Visit Bajaj Allianz website

  • 1

    वैयक्तिक तपशील प्रविष्ट करा

  • 2

    Compare home insurance plans

  • 3

    Select suitable coverage

  • 4

    Check discounts & offers

  • 5

    Add optional benefits

  • 6

    Proceed to secure payment

  • 7

    Receive instant policy confirmation

How to Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Notify Bajaj Allianz about the claim using app

  • 1

    Submit all the required documents

  • 2

    Choose cashless or reimbursement mode for your claim

  • 3

    Avail treatment and share required bills

  • 4

    Receive claim settlement after approval

How to Port

  • 0

    Check eligibility for porting

  • 1

    Compare new policy benefits

  • 2

    Apply before your current policy expires

  • 3

    Provide details of your existing policy

  • 4

    Undergo risk assessment by Bajaj Allianz

  • 5

    Receive approval from Bajaj Allianz

  • 6

    Pay the premium for your new policy

  • 7

    Receive policy documents & coverage details

इन्श्युरन्स समझो

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KAJNN

क्रिटिकल इलनेस इन्श्युरन्स

KAJNN

Health Claim by Direct Click

KAJNN

वैयक्तिक अपघात पॉलिसी

KAJNN

ग्लोबल पर्सनल गार्ड पॉलिसी

Claim Motor On The Spot

Two-Wheeler Long Term Policy

24x7 रोडसाईड/स्पॉट असिस्टन्स

Caringly Yours (Motor Insurance)

ट्रॅव्हल इन्श्युरन्स क्लेम्स

कॅशलेस क्लेम

24x7 Missed Facility

ट्रॅव्हल इन्श्युरन्स क्लेम दाखल करणे

My Home–All Risk Policy

होम इन्श्युरन्स क्लेम प्रोसेस

होम इन्श्युरन्स सुलभ

होम इन्श्युरन्स कव्हर

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What Our Customers Say

Simple Process

Straightforward online travel insurance quote and price. Easy to pay and buy

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मदनमोहन गोविंदाराजुलु

चेन्नई

5

11th Apr 2019

सोयीस्कर

Very user-friendly and convenient. Appreciate the Bajaj Allianz team a lot.

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पायल नायक

पुणे

4.8

15th Mar 2019

किफायतशीर

Very nice service with an affordable premium for travel insurance.

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किंजल बोघारा

मुंबई

4.5

5th Mar 2019

User Friendly

Quick, easy, and user-friendly process to buy travel insurance.

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अभिजीत डोईफोडे

पुणे

4.5

6th Feb 2019

कस्टमर सपोर्ट

Very prompt and professional service. I am pleased with the customer service team at Bajaj Allianz.

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उषाबेन पिपालिया

अहमदाबाद

5

31st Jan 2019

Quick Assistance

I am highly impressed by the efficiency of the Bajaj Allianz call centre executive who helped me with my travel insurance.

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परोमिक भट्टाचार्य

कोलकाता

5

25th Dec 2018

तुमच्यासाठी यामध्ये काय आहे?

आपल्या घराला आग, घरफोडी आणि नैसर्गिक आपत्तीमुळे होणाऱ्या नुकसानाचे संरक्षण समाविष्ट

दागिने, मौल्यवान वस्तू आणि कलाकृतींचे संरक्षण

1 ते 5 वर्ष कालावधीच्या कव्हरेजचे पर्याय

 

होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर म्हणजे काय?

घर विकत घेतले आहे, फर्निचर सेट केले आहे आणि तुम्ही परिपूर्ण वॉलपेपर व्यवस्थापित करण्याच्या प्रयत्नात आहात! हे एखाद्या स्वप्नासारखे वाटते आणि अभिनंदन नक्कीच अपेक्षित आहे. अभिनंदनासह, आम्ही तुम्हाला थोडा सल्ला देऊ इच्छितो.

तुमचे स्वप्नातील घर ही तुमची सर्वात मौल्यवान मालमत्ता खरेदी केली आहे. आकस्मिक आपत्तींपासून वित्तीय संरक्षणाची गरज आहे. होम इन्श्युरन्स हा कुशन असू शकतो. जरी इन्श्युरन्स असण्याची कल्पना आनंददायक असू शकते, तरीही प्रीमियमचे कॅल्क्युलेशन करणे एक कठीण काम असू शकते! जर अशाप्रकारच्या कॅल्क्युलेशन तुम्हाला होम इन्श्युरन्स निवडीसाठी अडथळा ठरत असतील. तर चिंता सोडा आणि निश्चिंत व्हा! बजाज आलियान्झचा होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर तुमच्या सेवेसाठी आहे.

नावाप्रमाणेच, होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर हे एक ऑनलाईन टूल आहे जे तुम्हाला तुमच्या होम इन्श्युरन्सवरील लागू प्रीमियमची त्वरित कॅल्क्युलेशन करण्यास सहाय्यभूत ठरतो. सोपे, जलद आणि कार्यक्षम; आमचे होम इन्श्युरन्स इंडिया प्रीमियम कॅल्क्युलेटर तुम्हाला 10 सेकंदांच्या आत अंदाजपत्रक देते!

आमच्या होम इन्शुरन्स कॅल्क्युलेटरचे फायदे

जेव्हा होम इन्श्युरन्स म्हणून महत्त्वाच्या काही गोष्टींसाठी कॅल्क्युलेशन गणना करण्याची वेळ येते, तेव्हा कॅल्क्युलेटर सोपा आणि कार्यक्षम असणे आवश्यक आहे. आमचे होम इन्श्युरन्स कॅल्क्युलेटर, इंट्युटिव्ह इंटरफेससह सुलभ डिझाईन आहे:

  • वापरण्यास सोपे आहे

    सरलता ही अंतिम अत्याधुनिकता असल्याने, आमचे होम इन्श्युरन्स कॅल्क्युलेटर सोपे आहे. तुमचा प्रीमियम शोधणे आमच्या पेजला भेट देण्‍याइतके सोपे आहे, कॅल्क्युलेटर उघडा आणि तुमचा तपशील भरा. तुम्ही काही मिनिटांत प्रीमियम रक्कम माहित करू शकता! 

  • भाडे आणि मालकीच्या प्रॉपर्टीसाठी प्रीमियमची गणना करते

    भाड्याने असो किंवा मालकीचे असो, तुमचे घर नेहमी विशेष असते. म्हणूनच समान कॅल्क्युलेटरचा वापर भाड्याने घेतलेल्या आणि मालकीच्या दोन्ही प्रॉपर्टीसाठी प्रीमियमचे मूल्यांकन करण्यासाठी केला जाऊ शकतो.

  • बिल्डिंग, आणि त्याची सामग्री किंवा दोन्हीसाठी इन्श्युरन्स करतांना प्रीमियम शोधतात

    आमचे होम इन्शुरन्स प्रीमियम कॅल्क्युलेटर तुम्हाला तुमच्या प्रॉपर्टीवर लागू असलेल्या प्रीमियमचा सर्वसमावेशक व्ह्यू देते. तुम्ही बिल्डिंग किंवा त्याची सामग्री किंवा दोन्ही इन्श्युअरिंग करताना भरावयाची प्रीमियम रक्कम कॅल्क्युलेट करणे निवडू शकता. 

     

माय होम इन्शुरन्स प्रीमियम काय दर्शविते? 

अनेक घटक तुमच्या होम इन्श्युरन्स प्रीमियमचा अंतिम खर्च दर्शवतात. तुम्ही नवीन घरमालक असाल किंवा तुमच्या पूर्वजनिती घरासाठी प्रीमियम मिळवत असाल; तुम्ही उंच ठिकाणी किंवा तटवळीला राहत असाल; तुम्ही कला संकलक असाल किंवा गॅजेट फ्रीक असाल; या सर्व गोष्टी तुमचे प्रीमियम मोजताना विचारात घेतल्या जातात.

●        लोकेशन

प्राईम लोकेशनवर तयार केलेल्या घरांसाठी जास्त इन्श्युरन्स प्रीमियम असतो. प्राईम लोकेशन शाळा, रुग्णालये इत्यादींच्या समीपतेद्वारे परिभाषित केले जाऊ शकते, त्याचे कनेक्टिव्हिटी आणि इतर गोष्टींसह जमीन रेट. इन्श्युरन्स प्रीमियमचा दर निर्धारित करणारा आणखी एक घटक हा नैसर्गिक आपत्तींचा धोका आहे. जोखीम अधिक असल्यास, प्रीमियम जास्त असते.

●        वय आणि बांधकाम साहित्य

जसे वृद्ध शरीर आजारांसाठी अधिक असुरक्षित असते, त्याचप्रमाणे वृद्ध घराला नुकसान होण्याची अधिक शक्यता असते, ज्यामुळे प्रीमियमची रक्कम वाढते. वय व्यतिरिक्त, घर बांधण्यासाठी वापरल्या जाणार्‍या साहित्याचा प्रीमियमच्या रकमेवर देखील परिणाम होतो.

●        तुमच्या घरातील सामग्री

तुमच्या प्रीमियमची किंमत निर्धारित करताना केवळ घरच नाही तर घरातील सामग्री देखील महत्त्वाची ठरते. जर तुमचे घर महागड्या पेंटिंग्स आणि शिल्पांनी सजलेले असेल किंवा तुमच्या लॉकरमध्ये सोन्याचे आणि हिर्‍याचे दागिने ठेवलेले असतील, तर ते तुमच्या होम इन्श्युरन्स प्रीमियमचे मूल्य वाढवू शकते. 

होम इन्श्युरन्स प्रीमियम कॅल्क्युलेट करण्यासाठी आवश्यक तपशील

बजाज अलायंझचे होम इन्श्युरन्स प्रीमियम कॅल्क्युलेटर कॅल्क्युलेशन प्रक्रिया सोपी आणि सुलभ करण्यासाठी तयार केलेले आहे आणि त्यामुळे जास्‍त तपशील आवश्यक नाही. तुम्हाला डॉक्युमेंट्स वाढीद्वारे आणि अविरत तपशील भरण्याद्वारे वेळ वाया घालविण्‍याची गरज नाही.

  • भाड्याने घेतलेल्या प्रॉपर्टीसाठी प्रीमियमची गणना करणे

    केवळ सामग्रीसाठी संरक्षण आवश्यक असलेल्या भाड्याच्या प्रॉपर्टीसाठी प्रीमियमची गणना करताना, तुम्हाला फक्त तुमच्या वस्तू आणि दागिन्यांच्या एकूण किंमती मोजणे आवश्यक आहे. हे कॅल्क्युलेटर तुम्हाला सेकंदामध्ये परिणाम देईल. 

  • मालकीच्या प्रॉपर्टीसाठी प्रीमियमची गणना करणे

    मालकीच्या प्रॉपर्टीसाठी प्रीमियमची गणना थोड्या वेगळ्या पध्‍दतीने केली जाते. मालकीच्या मालमत्तेसह, संरचना आणि त्यातील सामग्री दोन्हीचा विचार केला जातो. तुम्हाला भरावे लागेल:

    1. इमारतीचे वय

    2. संरचनात्मक संरक्षणासाठी निवडलेले प्रकार - सहमत मूल्य, पुनर्स्थापन मूल्य, नुकसानभरपाई आधार

    3. दागिने किंवा घरगुती सामग्रीचे मूल्य

    या तपशील शिवाय, गणना करताना तुम्हाला तुमची वैयक्तिक माहिती जसे नाव, मोबाईल नंबर आणि ईमेल आयडी प्रदान करणे आवश्यक आहे. 

  • बिल्डिंग, आणि त्याची सामग्री किंवा दोन्हीसाठी इन्श्युरन्स करतांना प्रीमियम शोधतात

    आमचे होम इन्शुरन्स प्रीमियम कॅल्क्युलेटर तुम्हाला तुमच्या प्रॉपर्टीवर लागू असलेल्या प्रीमियमचा सर्वसमावेशक व्ह्यू देते. तुम्ही बिल्डिंग किंवा त्याची सामग्री किंवा दोन्ही इन्श्युअरिंग करताना भरावयाची प्रीमियम रक्कम कॅल्क्युलेट करणे निवडू शकता. 

     

FAQs

What is a home insurance policy?

A home insurance policy protects homeowners from financial losses related to damage or destruction of their property and its contents.

Can I get an insurance policy for my home?

Yes, home insurance policies are widely available. However, the availability and specific types of coverage can vary depending on your location and the characteristics of your home.

What is the cost of home insurance policy?

The cost of a home insurance policy varies significantly based on factors such as the home's location, size, age, construction materials, coverage limits, and deductible amount.

‘माय होम इन्श्युरन्स’ काय आहे?

आपल्या स्वप्नातील घराचे संरक्षण करायलाच हवे. आमची माय होम इन्श्युरन्स पॉलिसी एक परवडण्याजोगे आर्थिक साधन आहे जे नैसर्गिक आणि मानवी आपत्ती जशा की, भूकंप, पूर, आग, चोरी, घरफोडी आणि कोणत्याही इतर धोक्यांविरुद्ध आपल्या घराला आणि त्यातील सामग्रीला संरक्षण कव्हर प्रदान करते.

मालमत्ता इन्श्युरन्स काय आहे?

Property insurance is a policy offered to homeowners who wish to cover their property structure as well as its contents, which will protect them against financial losses caused due to incidents such as fire, burglary, flood, theft, etc. You can also cover only the contents of the house that you have rented for living purposes.

What documents do I need to get a home insurance policy?

Home insurance can be obtained by providing basic information about your property, including its address, age, square footage, and construction details. Some insurance providers may also require documentation related to the home's value, such as an appraisal or purchase agreement. Check with the specific insurance provider for requirements.

What are common exclusions in home insurance policies?

Common exclusions often include damage from floods, earthquakes, wear and tear, mold, and certain types of water damage. It's crucial to review your policy documents to understand the specific exclusions that apply.

What is a home insurance policy?

A home insurance policy protects homeowners from financial losses related to damage or destruction of their property and its contents.

Can I get an insurance policy for my home?

Yes, home insurance policies are widely available. However, the availability and specific types of coverage can vary depending on your location and the characteristics of your home.

What is the cost of home insurance policy?

The cost of a home insurance policy varies significantly based on factors such as the home's location, size, age, construction materials, coverage limits, and deductible amount.

What documents do I need to get a home insurance policy?

Home insurance can be obtained by providing basic information about your property, including its address, age, square footage, and construction details. Some insurance providers may also require documentation related to the home's value, such as an appraisal or purchase agreement. Check with the specific insurance provider for requirements.

What are common exclusions in home insurance policies?

Common exclusions often include damage from floods, earthquakes, wear and tear, mold, and certain types of water damage. It's crucial to review your policy documents to understand the specific exclusions that apply.

मी माझा क्लेम कसा रजिस्टर करू?

To initiate a claim, you must promptly notify your insurer. It is important to provide details such as the date and time of the incident, along with a summary of what happened. Quick reporting allows for a timely assessment and response to your claim.

What documents would I need to process my home insurance claim?

The documents required to raise a claim generally include your insurance policy, a detailed account of the incident, photographic or video evidence of the damage, and repair cost estimates. These documents help the insurer accurately evaluate the claim and determine the extent of the loss.

What is the claim settlement process under the home insurance?

The standard claim process involves reporting the incident, submitting all requested documentation, and undergoing an assessment by an insurance adjuster. Following the assessment, the insurer reviews the claim for approval. Upon approval, a settlement offer is presented by the insurer. This process ensures a fair evaluation of the claim.

How many times can I raise a claim on my home insurance policy?

While there is typically no fixed limit on the number of claims, frequent filings can influence your policy. Multiple claims within a short timeframe may lead to adjustments in your premiums. Insurance providers evaluate risk based on claim history, and consistent filings can indicate a higher risk profile, affecting future coverage.

What steps should I take immediately after my home is damaged?

Ensure the safety of everyone in your home. Take steps to prevent further damage, such as covering damaged roofs or windows. Document the damage with photos and videos. Contact your insurance company as soon as possible to report the claim.

Can I renew my home insurance policy?

Yes, home insurance policies can get renewed annually. Most insurers will offer renewal options, but it's essential to confirm with your specific provider.

How can I extend my home insurance plan?

Home insurance policies are generally renewed rather than extended. Contact your insurance provider before the policy's expiration date to initiate the renewal process.

What happens if my home insurance expires?

If your home insurance expires, your property will be uncovered. This means you would be financially responsible for any damages or losses that occur. It is recommended to ensure your policy is renewed before its expiration date to avoid a lapse in coverage.

What is the validity period of home insurance?

The validity period of home insurance is usually an year. However, some insurers may offer policies with different terms. Always confirm the validity period with your insurance provider when purchasing or renewing your policy.

Can I change my coverage level or add-ons at renewal?

In most cases, you can adjust your coverage level or add-ons at renewal. However, any changes may be subject to underwriting and approval by the insurance company.

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