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Home Insurance

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    Home Insurance

    What is Home Insurance?

    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.

    Benefits

    Benefits of Buying Home Insurance Plans Online

    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.

    • Takes your stress and anxiety out since you will have a home insurance policy to rely on in such cases where you face any catastrophe on your house.
    • Secures your assets from any mishappening.
    • Covers for fire & allied perils and burglary under one policy.
    • Gives comprehensive coverage to content and structure of your home.
    • Offers coverage for building & household contents.
    • Online purchase option with minimal documentation.
    • House insurance offers you the flexibility so you can choose between best-suited plans for your home
    • House insurance come with discount for accessibility of security system under burglary section

    Consultations

    All Set to Buy A Home Insurance Plan? It will just take a few minutes!

    Home Insurance, that protects your valuables and your precious memories too!

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    Working Process

    How It's Work

    STEP 01

    Visit Our Website

    STEP 02

    Meet Our Agent

    STEP 03

    Select Insurance

    STEP 04

    Get Insurance

    Benefits

    The benefits of comparing with Royal Insurance India Pvt. Ltd.

    Save Money

    Get a side-by-side comparison from top insurance companies, so you can pick the best deal.

    Save Time

    Quick and easy to compare and save time with our single entry multi carrier interface.

    Get Peace of Mind

    Rest easy knowing that you compared top insurance companies side-by-side and got the best price.

    Incredibly low premiums

    Insuring things that matter to you shouldn’t come at a cost. That’s why when you buy from us, you get insurance that fits your pocket.

    Superquick and easy

    We’re easy, effortless and 100% digital. Forget paperwork, just access all our services with just a few clicks.

    Hassle-free claims

    We’re on a mission to make insurance claims stress-free. Just give us a call or file a claim online and experience cashless, speedy claim settlements.

    Faqs

    Home Insurance FAQs

    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:

    • – It should be a registered residential property.
    • – Its construction should be complete in every respect.

    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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