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Home insurance is a type of insurance that protect your home along with its furnishing and other valuable items from any kind of man-made or natural calamities. Generally, it covers home exterior damage, interior damage, damage to furnishing or injuries to person that arises while on the insured home.
There’s no beautiful place than own house and therefore home insurance becomes very significant. There’s no doubt in the fact
that home insurance online does come with a plethora of benefits. Check the benefits you can enjoy when you buy home insurance online.
Home Insurance, that protects your valuables and your precious memories too!
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The sum insured can be increased by opting for a higher premium. It can however, not be decreased.
This policy has a maximum duration of 5 years. Buyers are offered discounts ranging from 3% to 12% depending on the length of the tenure.
Yes. You can cancel the policy anytime you want. However, please note that retention of premium as per short period scales would be applicable.
To be eligible to apply for this policy, your property should meet the following requirements:
A home is more than just a house. It is the one place in the whole world that we can truly call our own. It becomes our responsibility to protect it from unforeseen events, forces of nature, and the ravages of time. A home insurance policy is the best tool we have for protecting our most prized possession. Read more to understand the importance of Home Insurance.
Most people need to take a home loan to buy a home. While the loan agreement may require you to get home insurance, there is no compulsion to get the home insurance from a specific bank or insurance company.The loan provider may require you to get insurance for a certain value but as long the insurance company is authorised by IRDAI, the lender cannot refuse to accept the policy.
Reinstatement cost is the cost of repairing the damaged property using materials of the same quality or kind. Reinstatement intends to indemnify your loss. The idea is to reconstruct the property in a similar condition that it was before the damage. Reinstatement cost primarily includes labour and material cost.
In the case of home contents insurance, reinstatement cost includes the cost of replacing the lost or damaged articles with articles of the new kind without factoring in depreciation.
The sum insured is usually calculated based on the type of property, its market value, the area of the property, rate of construction per square feet. If, however, a comprehensive home insurance plan is bought, the sum insured would also include the cost or value of the articles of the home which are to be insured.
The structure is a wider term which can be used to include the building of the property, the compound wall, terrace, garage, etc. The structure, thus, includes the vicinity of the building too. Building, on the other hand, means only the standalone building which is insured. It does not include the surrounding property.
A set formula has been defined to calculate the sum insured for the home building, including all structures. The prevailing cost of construction of the home building being insured, as declared by the policy buyer and accepted by the insurance company, becomes the sum insured. For home contents, built-in cover of 20% of the building sum insured, subject to maximum INR 10 lakhs, is provided. Further cover can be purchased.
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ROYAL INSURANCE BROKING (INDIA) PRIVATE LIMITED
CIN: U65999DL2002PTC113794
Regd. Off.: 201, Parmesh Business Centre-I, Plot No. 20,
Karkardooma Community Centre Delhi -110092
Email: wecare@royalinsurance.in
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