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GENERAL INSURANCE BLOG

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These are a few weird things that your home insurance covers

The terms and conditions of insurance policies might get a little confusing for an average person to understand. The technical language of the information presented can take some time to get acquainted with, which is why the insurance companies send their officials or agents to help you navigate the entire process and have digital services and chat assistants available for help 24*7. While the customers have an idea about what the home insurance usually provides coverage for and their intent of purchase, there are certain things they might be unaware of.

Do you have a complete idea of the type of coverage home insurance provides? What are some of the strangest things you might be able to secure under the insurance? If you have these questions, don’t worry. Following are a few weird things that your home insurance covers. Let’s discuss.

1. If a plane crashes:
Difficult to believe, right? The rarest of the rare cases is if a plane crashes into your house. But yes, your home insurance does cover the damages that might be caused due to a plane crashing into your house. Any objects falling from the sky which can potentially cause severe damage to your home are covered under your home insurance. Although, you need to make sure that you cross-check these details with your insurance provider.

2. Destructive riots:
Riots can take a destructive route when they rise to a huge scale. In such cases, sometimes the parties involved in the riots and those trying to control the outrage get into a defensive mode and cause mass destruction of properties. If there are any damages to your house during the riots, your home insurance provides coverage for that.

3. What if your pet bites someone:
Your home insurance might cover the cost of the treatment in case your pet bites someone within the perimeters of your house. Despite this, you might have to stay prepared if the person who got bit sues you, but you can stay assured of the coverage of those hospital bills.

4. Wild animals are also on this list:
This is for residents who usually have wild animals roaming around. Although humans and animals have become accustomed to their way around each other, you never know when the wild beings get agitated and, therefore, can trigger the possibility of a stampede.
In such situations, if there is any damage due to the stampede, your home insurance also provides coverage. But ensure to check the details carefully as some animals might be left out of this benefit (for example, rodents, possums, etc.).

5. Be careful about the parties you throw:
Some home insurances might cover the cost of damages caused during the parties organised in your house. Your insurance might cover these damages, but you might end up in trouble if someone gets injured. Check-in with your home insurance provider to ensure that the damages incurred during parties are covered under your policy.

Some other weird things covered under your home insurance include theft of cover identification, damage due to meteors, etc. And in the interest of protecting your home and your family against damages incurred due to unfortunate circumstances, you must get the best home insurance policy in India. Your home is not just a space where you live; it carries an important place in your life.

It is a place you return to after a long day at work, comforts you during the sad times, houses the best memories, and provides your family a safe zone where they can stay and create their own lives. Therefore, you must get the best home insurance policy that caters to your needs in the best ways possible.

Click HERE to know more about the benefits of buying the best home insurance policy in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Understanding insurance as a tax-saving option

Every legitimate and eligible citizen of India is supposed to pay Income Tax regularly within the specified time limit as per the government regulations and norms. The taxable amount is based on an individual’s annual earnings. There are different tax and income slabs defined respectively by the Indian government. One must consider their earnings and calculate their taxes accordingly. These taxes are righteously used for the benefit and progress of the country.

But amidst all these details, were you aware that insurance, apart from protecting you and your assets against various risks, also is a substantial tax-saving benefit? This important question may give you a broader perspective on the insurance and tax-paying correlation. We have all the information you will need to understand the perks of insurance and how it can be a tax-saving choice. Let’s dive deeper into the facts!

Which policies help you fetch tax benefits?

Insurance options that will help you avail of full benefits along with tax-saving options include:
● Retirement plans and policies
● Health insurance policies
● ULIPs-Unit Linked Insurance Policies

All these insurance policies can be categorised under similar yet slightly different sections of the Income Tax Act regulated by the Government of India.

Understanding the tax deductions.

Various types of deductions can influence the tax benefits you can get on your health insurance. Let’s understand what 80C and 80D tax deductions are. Tax deduction can be claimed on your taxable income on premiums valuing around Rs. 1.5 lacs.

These premiums are supposed to be paid for insurance policies in your name, spouse’s name, or your children’s/child’s name/names. If you are someone who has paid their premiums, you can avail of 80C and 80D tax deductions annually.

The 80D deduction.

The 80D deduction dictates that if you have a health insurance policy in your name or the names of your spouse and children, the tax-deductible income can be Rs 25,000 on the insurance premiums.

According to section 80D, there are various other prospects for this deduction, but we will now consider this information to discuss the tax benefits further.

The 80C deduction.

According to section 80C of the Income Tax Act, the tax-deductible you can claim is worth Rs 1.5 lacs of insurance premiums. If you purchase a single premium policy, you can only claim the tax benefits under section 80C of the Income Tax Act.

Under section 80D, if you have a health insurance policy under your name along with a dependent with the minimum age of 60, you can claim a tax deductible on the dependent’s health insurance.

Protecting your financial assets against unprecedented situations and getting compensation for your financial losses is essential. Times can be very unpredictable, and you might never know when you will need a lot of money. Exhausting your savings is not a wise option here. You need to think beyond and try to avoid burning a hole in your pocket.

While being mindful of your expenses and determining a budget is one of the top solutions here, insurance is another way you can stay secure about your assets. It is vital to purchase the right general insurance after exploring the market and determining the one that can cater to your needs in the best way possible.

Click HERE to know more about general insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Guide to reducing the use of plastic in your homes

Plastic bags have become a necessary evil in today's day and age. Everything from the packaging of everyday items to utensils, we have seen a massive increase in plastic usage across households. However, plastic has dire effects on the environment. Polluted rivers, channel blockage, pollution, and animal choking are some of plastic's environmental hazards.
Looking at the various damaging implications of plastic usage, activists and other environmentalists have raised their voices against the excess and single use of plastics.

In response, many governments have banned the manufacturing and usage of plastic. Even after the ban on single-use plastic, the complete absence of plastic is impractical. The ease and efficiency of plastic packaging are seldom matched by anything else. This makes plastic an almost irreplaceable part of our lives.

But if you are a responsible human being and want to make a small contribution to the environment, this article will help you reduce plastic waste in your home.

1. Use jute or cotton bags:
Plastic is one of the most convenient options when it comes to shopping. Opting for a plastic bag at the counter is more convenient than carrying cloth bags. By carrying your bags, you are not only saving the environment, but you are also avoiding the excess charge levied on plastic bags. Cloth bags or jute bags are better alternatives to plastic bags. They are reusable, washable, and durable. Consider carrying your carry bags for your next grocery run.

2. Avoid plastic utensils:
Want to carry a tiffin to your office or college? Are you reaching out for the fancy plastic containers? Then you need to reconsider your choice. Plastic utensils such as lunchboxes and water bottles release toxic chemicals into the food, and when consumed, these can cause serious health issues like cancer and heart problems. Storing food in plastic containers can have dire health effects on your body and affect the food's composition.
It is best to opt for steel tiffin to keep your food fresh for longer. People also use microwavable plastic dishes to reheat their food. This can be highly toxic. Switch out the plastic vessels for glass containers. Instead of storing the spices and pulses in plastic boxes, reuse the glass containers you already have. Various pickles, jams, and oils come stored in glass packaging. Remove the sticker and reuse it. This helps you save money and keep yourself and your family healthy.

3. Replace your bathroom essentials:
There are many options available in the market that are more eco-friendly. Opt for locally sourced soap and shampoo bars instead of purchasing a new bottle. Buy refill packs for handwashes and invest in ceramic soap dispensers instead of plastic bottles. Choose wooden toothbrushes and combs as these are eco-friendly and healthier options for your teeth and hair.

4. Change your grocery habits:
People find it more convenient to buy packaged food, be it fruits and vegetables or meat and other farm products. Most of these packaged foods are frozen and lose their nutritional value after some time. Instead, explore your nearest local markets and buy fruits and vegetables from local vendors. By doing this, you are helping the locals while reducing plastic use.

These are some ways in which you can ensure that your home reduces the use of plastic. Being mindful is a small step towards making the planet a better place for your children and the future generations to come.

The above measures can help your home get rid of plastic, but have you considered its safety? Safety is paramount, and when it comes to assets like home, then it is a necessity. To add more value to your homes, invest in home insurance India. Home insurance is a safety net against any expenses incurred due to damage, theft, and other accidents. In case of any mishap, you can be assured that your insurer can make up for your expenses and loss.

Click HERE to know more about home insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Here is a list of medications you must carry on a trip

With today's working culture and daily hustle, travel is one way to unwind and relieve stress. Considering the various travel destinations and experiences, it is no surprise that people want to leave the comfort of their homes at least once a year to explore exotic places. However, you must have faced instances where you have fallen prey to common ailments on a trip, ruining your whole stay while your loved ones had the time of their lives.

It is very taxing to hunt for medicines in a place where you don't know the language and are a stranger. So, it is wise to make a medical kit where you keep medications for the most common ailments. This blog gives you a list of medicines you must consider carrying on a trip.

1. Antacid:
With a new, exotic cuisine to try, no one plans to walk around the trip with a stomach burn from acidity. So, an antacid is extremely important to carry on a trip to remain tension-free about all the new food you will savour.

2. Diarrhoea medicine:
Travellers often visit new and exciting places in remote areas to absorb fresh perspectives and quaint experiences. However, they face health issues while adapting to the food and water in these unfamiliar regions, creating an uncomfortable situation with diarrhoea. Carry anti-diarrhoea medicine in all of your travels to get rid of this problem.

3. Fever medication:
No tourist wants to lie in bed with a headache and fever instead of exploring a place's attractions, cultures, and heritage. Take a paracetamol pill and get going with your day as a quick fix to a jet lag-induced headache or joint pain.

4. Cough syrup:
Cough syrups are essential while going on a trip. No one likes a scratchy and congested throat while moving around the city, asking for directions, or ordering food. It's best to take one that does not make you sleepy to enjoy your trip to the maximum.

5. Laxative:
With all the new types of food you will be trying out, it's best to keep a laxative handy for the trip to avoid any complications with your digestive system.

6. Diabetic supplies, including insulin:
If you have diabetes, ensure to take all the medicines prescribed by your doctor along with you. It's best to make a separate package for all your medication for diabetes. If you take insulin subcutaneously, it is best to store it in a cold place.

7. Motion sickness medication:
Motion sickness is a problem that ails the majority of travellers. Take some over-the-counter medication with you just in case it decides to make an appearance.

8. Antihistamines:
Allergies can spring up on you at the worst of times, leaving you with itchy eyes and a scratchy throat. It's better to be safe than sorry and pack mild histamine for these issues.

9. Sleeping pills/mild sedative:
If you have trouble falling asleep in new places, consider taking some mild sedatives with you just in case. Ending up sleep deprived on a trip certainly reduces the magic of it, so it's best to have your beauty sleep and be active during the day.

Sickness during a trip is highly uncomfortable and can significantly spoil the trip's fun. And there might be complications that can leave everyone frustrated. Carry the medicines above with you and avoid health ailments affecting your vacation.

These were a few ways to keep your health sound, but what about the safety of your belongings during travelling? It's best to research travel insurance and get general insurance online quote to be stress-free during the trip and protect your travel with the best protection.

Click HERE to know more about general insurance online quote.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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The top cycling tours in India you can try this monsoon

Cycling is not just a sport. It is also one of the healthiest habits one can develop, to keep one's mind and body in good shape. It's no wonder that cycling is a prevalent pastime among people after all these advantages. This way of travel is steadily gaining popularity among people of the new generation.

It is also a feeling that gives us nostalgic moments from our childhood. Cycling is an excellent way to spend time with yourself. Who doesn't want to cycle through the beautiful, frosty Himalayas, Meghalaya's lush green forests, or Udaipur's rich cultural city?

This blog has curated the perfect list of cycling tours in India to give you information on planning your next cycling trip!

1. Mangalore to Goa:
This scenic stretch of road along the coast of the Arabian Sea is one of the most breath-taking sites to see in the world. The quaint villages of the south will amaze you with the beauty in their simplicity, the waterfalls, temples, and national parks in the area are a bonus. Don't stop when you reach Goa. Visit all the key tourist sites on your bicycle to get the full experience of the trip.
This 350-kilometre trip might seem difficult, but with the right company for motivation, it will prove to be one of the best experiences of your life. This trip, on average, takes 06 days to complete.

2. Puducherry:
Going further south, there's nothing like cycling through the picturesque city of Puducherry (formerly known as Pondicherry). Dotted with the best of the post-colonial architecture of the French, this vibrant city has beautiful cathedrals, coffee shops, and, most importantly, the famed town of Auroville. Don't forget to book your ticket to Auroville in advance to gain a different perspective on spirituality in this renowned town of devotees from all around the globe.

3. Manali to Leh:
The stretch between Manali and Leh is the perfect route if you're looking for more of a challenge and less of a holiday. This endurance test will give you one of the most life-altering experiences. Manali is a charming city, popular among nature and adventure lovers alike. The way to Leh is the famed Rohtang Pass, at an altitude of 13000 feet. The majestic mountains and the scenic lakes are something to experience once in a lifetime. It is imperative to know that this trip pushes your limits and will require your full physical fitness. These are difficult roads to take, and it is best to research general insurance companies in India before planning your trip.

4. Shillong to Cherrapunji:
Moving to the beautiful northeast, Meghalaya is a mesmerising monsoon destination. With the drizzling rain pattering on the rich flora and fauna of the forests, it's a nature lover's dream come true. Meghalaya is a gorgeous yet primarily unexplored part of the northeast that should be on every cyclist's list. It is the perfect ride for the curious traveller with bountiful greenery and terrains. This 60-km journey might be difficult, but it is worth.

These cycling trips will surely be enjoyable and eye-opening experiences for individuals. It is worth riding up the hills, the jungles, and the cities' interiors. Before hopping on the seat, it is essential to wear all necessary safety gear like helmet, knee and elbow guards, and most importantly, do the servicing and maintenance of your bicycle.

It is stressful when there is uncertainty of an accident. Research the best general insurance companies in India for buying a travel insurance cover to stay protected and enjoy your trip without any worries of mishaps. You are now all set to get the wheels moving.

Click HERE to know more about general insurance companies in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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What are the useful ways to deal with leakages at home

It is highly inconvenient to face water leakage in the home, be it a major one like a burst pipe or a steady drip from the tap. If not controlled in time, water leakage is expensive damage to deal with at home. It can waste gallons of water, but the maximum damage occurs if water seeps into the ceiling and destroys the walls and the paint job.

Our homes even face significant damage due to water leakage during monsoon. Heavy rainfall leads to leakages that get frustrating over time. This blog provides practical ways to deal with such leakages at home before calling an expert.

How to prevent a water leak:

Prevention is always better than cure. A few annual regular check-ups can prevent the hole in your pocket. Keeping this in mind, here are a few ways to check-up on your water pipes and supply to avoid massive repair work.

1. Keep your spidey senses on and feel around your home for areas with moisture or mould that might leak the plumbing. Inspect the most vulnerable parts of your home, including the roof and the walls, to check for any dampness.

2. The pipes exposed to the elements should be adequately insulated to prevent their material from eroding. Insulating material comes cheap, so this method is highly cost-effective.

3. A stopcock can stem the flow of the water supply around the house. Make sure to know the exact location of your stopcock to prevent flooding in the house due to a sudden burst pipe.

4. Install a water leak detection device at home.

Know how you can detect a leak:

To fix a water leak, you need to accept and inspect that it’s happening. The easiest way to check up on your plumbing is to check your water usage. If it has significantly increased, there might be a probability of a water leak. If this method seems too unsure for you, you can turn on the water supply without using water for an extended amount of time, say 02 to 03 hours and check if any water has been consumed. This is a sure sign that there is a leakage somewhere.

Ways to fix the water leak:

1. Turning off the water supply: The first step to prevent further damage to your home is to stop the water supply to the house and perform a thorough inspection.

2. Turning on the faucets to drain: If there is a significant leak in the house, the next best step is to drain all the water in the pipes and faucets. Start with the garden hose if you have one, and let the water run out.

3. Locate the problematic area: Go around the house checking for leakage, whether major or minor, and get it fixed.

4. Applying epoxy putty: Before this step, it is essential to wear latex gloves to protect your hands because hot epoxy putty can end up burning them. Epoxy putty is readily available in all hardware stores and can be a temporary fix to a leakage. Mound the epoxy putty well and apply a generous layer over the leaking pipe or tap.

Although epoxy putty is a helpful fix to many problems, it is ultimately beneficial if you can get a professional to fix this issue. If it’s a major plumbing problem, it might damage the ceiling or walls and can be extremely expensive to repair. Reliable house insurance India is always the best way to prevent these expenses from emptying your wallet. You cannot risk your belongings at the cost of water damage. Invest in the best house insurance and get advantages that will help you reap good returns on your investment.

Click HERE to know more about house insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Let’s understand how data and analytics are shaping the future of insurance

Data is considered to be the goldmine in today’s day and age. When appropriately utilised, it is one of the most critical resources that can provide great insights regarding several aspects of industries, consumers, products and services, and much more. The demand for data analysts, cloud computing, machine learning, and data science experts is very high among the top skills organisations for several critical roles related to data. This helps them understand the market and current data to curate future projections about their businesses and associated clients.

Data analytics is the most up-and-coming field across all sectors of industries. Companies are investing tons of money, resources, technology, and workforce in analysing relevant data across various platforms. Through this blog, let’s understand how data and analytics are shaping the future of insurance.

1. Understanding predictive analytics:
We all make predictions about specific things based on the facts we have in hand or the experience from similar situations we might have been through. Similarly, insurance companies use predictive analytics as an integral method to predict patterns and trajectories regarding various parameters. Predictive analysis is an umbrella term comprising multiple methods like data mining, statistical analysis, data configuration, predictive modelling, artificial intelligence, machine learning, etc. These techniques help the insurance companies generate reports that would then provide analysis and information about several risks, policies, consumer behaviour, and future revenue and business projections.

2. How to make sure that your “flight-risk” consumers stay:
Insurance companies try to identify consumers with immediate cancellation tendencies, high premium possibilities, or lower coverage. These potential customers require special attention and care from the insurers to convert or stay their customers.
Data and analytics reports can help insurance organisations identify the areas of concern that need attention and how the services can be improved from the consumers’ perspective. Advanced insights, reports, and patterns can help insurance companies analyse the pain points and friction between the organisations and the customers. This aids them in making the improvements and offering the best deals for their customers, which won’t be a loss-making situation for the company.

3. Personalisation is the key:
Customers want services and products tailored according to their demands and the trends in the current market. Making the services more consumer-focused helps the insurance companies eliminate the competition and gain more customers.
Personalisation is directly related to consumer loyalty which benefits organisations greatly in the long-term projections. Customer retention costs are pretty less compared to the expenses of customer acquisition. Fewer businesses and brands focus on customer retention and implement marketing gimmicks but don’t get desired results. Personalisation is the answer to your customer retention and consumer loyalty equation here. Data analytics help you identify the red flags when rating the customer satisfaction provided by your insurance company. This allows the insurers to understand the market trends, how consumer demands are changing, and how they can bring their services up to the mark. The red flags can turn green based on the current reports, the future projections, and the options and techniques which can be implemented to achieve the targets and results.

Other ways in which data and analytics are revolutionising the insurance market include fraud detection, risk and mitigation measures, managing workforces, determining premiums and dealing with insurance claims, and much more.

Customers are advised to purchase GENERAL INSURANCE to ensure their financial assets are protected, and they can earn some profit even during financial losses. You can explore all your options and determine a general insurance company with high market credibility, attractive premiums, and an excellent claim settlement ratio.

Click HERE to know more about how you can find your ideal general insurance company.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Complete guide on using the residential apartment for commercial use

Using your private property for commercial purposes may seem like a fantastic way to grow your business if you have an office at home. It has been common practice to convert a residential property for commercial use to increase income. However, housing societies usually don't appreciate it when a whole residential unit is used for business.

Owners are permitted to use a portion of the property for commercial purposes. However, there are several restrictions and legislations that you must be aware of to use your apartment as an office space. In addition, getting the best home insurance policy in India can help you save money when you rent or buy a business space.

Is there a regulation in India that governs how residential property is used and rented out?
Across Indian cities, the zoning law is enacted by the local municipal government or authorities. It governs the use and allocation of land to different services and purposes. According to the legislation, commercial activity should be kept out of residential areas for the benefit of residents and to encourage the growth of the proper commercial regions.

What exactly does the law state?
It is essential to note that different states have different levels of leniency when it comes to commercial use. In some states, professional service providers such as doctors, lawyers, and chartered accountants are permitted to use up to 30% of their homes for business purposes. But in other states, they are not.

Before converting a residential property into commercial space, ensure that it's permitted. You must get clearance from the local housing authority. Once a property has been officially considered for retail space, it will be regarded as such for all purposes, including paying a higher property tax rate than a residential property.

Things to keep in mind when turning a residential property into a place of work.
Commercial activity is any activity related to the buying and selling of merchandise. Most housing societies allow the operation of businesses such as professions, services, and the teaching of specific art forms.
Activities such as yoga classes, tuition classes, or the services of chartered accountants, doctors, and lawyers are not considered as commercial activities. Commercial activity within residential properties may not be authorised due to security concerns as they create a significant traffic hazard for the neighbourhood.

For those who are willing to use their home for commercial purposes, here are a few considerations to bear in mind:

1. Before making an application, make sure you know exactly how much space you'll need and what kind of business you want to start.

2. Obtain a permit to operate a business from the local municipality.

3. Ensure that your clients are not using communal spaces such as the parking lot or other amenities.

4. If your home is turned into a business, you may have to pay more property taxes.

Many people find that running a business from home is an excellent way to save money since the cost of rent and transportation are significantly reduced.

Before starting a business in a residential space, get approval from the housing society, local councils, and zoning authorities. Also, get the best home insurance policy in India so that you can keep your apartment safe as you turn it into a business.

Click HERE to get the best home insurance policy in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Best tips to apply adhesive wallpaper for better results

Owning your own home is an extensive process. You explore hundreds of houses, put a lot of thought into remodelling and painting, and invest a ton of money in furniture and appliances that match your home's feel.

The walls of your house hugely contribute to the decoration and the aesthetic you want to create. They bring out the vibe you want your home to radiate. And while you can do many things to decorate your walls like hanging art, using textured paints and patterns, adorning them with home decor items, etc., a recent trend of adhesive wallpapers has garnered people's attention.

Adhesive wallpapers are easily accessible, come in various designs and colours and embellish the decoration of your home within a friendly budget. But applying these wallpapers can be a tricky and messy process.

This blog will discuss the best tips to use adhesive wallpaper for better results.

1. Wipe your walls:
It is good to clean the walls first with a microfiber cloth before applying the adhesive wallpaper. This will remove the dust on your walls and make the surface smoother for better application.

2. Move your furniture:
For correct measurement and easy installation of adhesive wallpapers, move all the furniture, switch covers and other removable outlets. You should make sufficient comfortable space to conduct the wallpaper work efficiently.

3. Layout:
Planning and jotting down the layout makes it easy to understand the space and the amount of wallpaper required to cover the area. You can either start by measuring the length and width of the walls and stick the stripes from left to right or by beginning at the centre, marking the left and right extremes and working your way, one direction at a time.

4. Check:
Once you stick the outline stripes, inspect the walls to check whether they are aligned and distanced equally. Overlapping might result in messy wall decoration.

5. Paint your walls:
Smooth wall paint works well with adhesive wallpapers if you apply satin-type primers. Matte paint becomes challenging due to its firm texture, thus making it difficult for adhesive wallpapers to stick.

6. Tools:
Using the right tools will help you in making the process of applying adhesive wallpapers easy. You can use a cutting knife to cut tricky corners and edges and a ruler to smoothen the rough edges and measure the intricate spots. You can also use a needle for popping the bubbles while sticking the wallpaper.

7. Peel properly:
Peeling the wallpaper must be done correctly. If you peel off the back paper in haste, you risk tearing the wallpaper and messing up the whole pattern and decoration. You can start from the top and work your way down slowly as you apply. Maintaining a steady flow of action and focusing on just your movement is essential.

Now that we have discussed the best tips to apply adhesive wallpaper for a better feel and appearance, it is also necessary to think about the safety of your house. Protect your home against unprecedented situations like fire, theft, or natural disasters, and avoid unwanted monetary stress. You can explore different options and choose the best house insurance in India, which caters to your needs and offers exclusive benefits.

Click HERE to know more about house insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Things you should know before renting a house for the first time

Searching for your perfect home can be quite overwhelming, and renting can make it even more stressful if not done correctly. Renting a house is generally referred to as a property occupied by somebody other than the house owner. There are several things one must consider before finalising a house, and you need to ensure that you clarify all your doubts before arriving at a conclusive decision and paying.

In this article, we will discuss what you should know before renting a house for the first time. These points will not only help you stay calm while renting but also ensure that you make a well-informed decision before going ahead with the agreement. After all, it's going to be your home once you move in.

1. Location:
Think about the location before moving in. Notice the surroundings and the essential services and facilities available in the vicinity. Is it a school or a pub? Will you be comfortable with loud music and traffic noise? Check the area for essential services for you before signing the agreement.

2. Amenities:
Check the amenities like the washing machine, geyser, air conditioner, etc., if they come along with the house. It is your responsibility to examine these inventories and their working and get the landlord to confirm their satisfactory working in writing. It would be best to ask the landlord to clarify the repair or replacement of these appliances.

3. Release clause:
A release clause entails that the tenant must pay a fee and find a replacement if they wish to release themselves from the contract and move out of the house. Discuss the clause with your landlord beforehand.

4. Repaint:
Enquire if your landlord will be repainting the house before you move in. And if they have any plans to paint or deep clean the house, it would be good to get the work done before you sign the tenancy agreement and make the payment.

5. Pets:
It is a good idea to discuss if pets are allowed during the negotiations with your landlord. Breaching the tenancy agreement by keeping a pet can lead to possession and eviction in the future.

6. Water:
During the house inspection, open the taps and shower and check the water pressure. In case of a problem, negotiate with your landlord before signing the agreement.

7. Advance:
Usually, landlords ask for two months' payment in advance, but there is no fixed amount. They can maintain discretion about the deposit amount. Make sure you bring this up during your negotiation or agreement.

8. Terms and conditions:
Read the agreement very carefully. You can challenge terms and conditions you are uncomfortable with or find confusing. But you must do this before you sign the deal. Never sign an agreement without having complete knowledge about it. Any carelessness done during this period can have adverse consequences later.

Now that we have discussed the things you should know before renting a house for the first time, it would be wise to verify with your landlord if he has purchased home insurance for the home. Being covered under the umbrella of the best home insurance in India can keep you relaxed and free from worries of any damage or theft at your rented apartment. Ensuring security should be on the top of your priority list before shifting to a rented home.

Click HERE to know more about the best home insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Why is travel insurance becoming more important now

Life is full of unexpected events, but the downside is that even the slightest miscommunication can put your goals at risk. A good general insurance lets you choose your protection against the costs of accidents and natural disasters — from theft to car collisions, fire damage to travel mishaps. And with this flexibility, you can mix and match the coverage you need from a general insurance online quote and get an affordable and customised plan.

Let’s understand the necessity of travel insurance:
Travel insurance seems unnecessary, and travellers underestimate the significance of travel insurance, as its purpose only comes to the fore when things go wrong. For example, if a flight gets cancelled unexpectedly, or if you get sick while travelling.

Travel insurance is a particular type of insurance that covers you for travel-related perils. It is not the same as your regular home, car, or health insurance. And, if you want to know why it is so important, read on.

1. Loss of luggage:
Landing at your destination and finding out your luggage is missing? And you're stuck with only the stuff you brought along - which isn't much. Fortunately, most insurance companies will provide a certain amount as compensation for such incidents as part of their policy.

2. Cancelled / Delayed trip:
If you plan to postpone, cancel or rearrange your trip, you can rest easy knowing that your travel insurance policy may provide you with financial protection. Trip delays, cancellations, and curtailments are all covered in case of an emergency.

3. Hospitalisation and Emergency expenses:
Travelling doesn't mean that you are entirely safe from the risks of getting hospitalised. Travellers often fall ill in the middle of their trip and have to even stay in a hospital if the situation worsens.
The holiday can turn into a nightmare if you don't have a valid policy covering hospitalisation expenses. Your travel insurance covers all your transportation, food, and medical expenses on getting hospitalised during your trip.

4. Fraud Protection:
It can happen to anyone. You're enjoying a vacation, and all of a sudden, your financial security gets compromised. Maybe you lost your debit credit card, or worse — you notice a fraud transition on your credit card. Maybe this is the first time such an incident has occurred to you, but it could happen again.

5. Liability protection:
While you're on your trip, keep an eye out for any personal injury or property damage. You could be held legally liable for it. But just because something is likely doesn't mean it will happen. With proper liability protection in place, you won't have to worry about paying for others' mistakes.

If you're concerned about safe and worry-free travel, there's no better time than now to buy travel insurance. Increased awareness means that more and more consumers are looking for a way to protect themselves when they travel.

Are you someone who wants protection and doesn't want to risk losing your vacation money or belongings? In such an accident or illness, there's no better time than now to get travel insurance. General insurance online quote is essential for financial security. These policies protect you against all possible financial risks, including travel you might face in your life. It is also a great way to protect your other assets and valuable possessions.

Click HERE to get general insurance online quote.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Your newborn: Best tips to babyproof your home

For soon-to-be parents, a lot of significant changes seem to be right around the corner. Parents spend the months of the pregnancy expecting the baby and several lifestyle changes. While buying all the necessary items like baby clothes, diapers, and cribs is essential, making sure your home environment is safe for the baby is just as important.

First-time parents might look around their home and feel confused about what modifications to make to protect their baby. They might even question the need for it. However, as overwhelming as the responsibilities of a newborn can be, it is integral that parents appropriately baby-proof their homes.

Even though experts claim that your toddler will likely get a few bumps and bruises with every alteration you make to your home, parents still must childproof their home. Since knowing where to begin the process can be baffling, here are some simple tips to follow!

1. Be aware of heavy objects:
Children start crawling, walking, and running in no time. As they grow older, they will begin pulling and pushing things around. This is when heavy objects can become an issue. Whether it’s heavy showpieces or furniture, if the toddler pulls or tugs on them, they may cause an injury. So, make sure to keep the glassware or delicate pieces away and keep the heavy objects out of the baby’s reach.

2. Secure electric plug points:
Toddlers around the 15-17 months age range quickly become fascinated with sticking their fingers or other things in any place they might fit. Most of the time, they turn out to be electric sockets. Parents must be aware of this habit and how dangerous electric points can be.
Use tight-fitting electrical outlet covers to ensure that the baby cannot stick their tiny fingers or jam pens, pencils, or toys into the electric points. You must also confirm not to leave lamps or other appliances with their current on if they are within the baby’s reach.

3. Keep the dangerous home supplies out of reach:
Cleaning and other home supplies contain plenty of harmful chemicals in them. Once kids are allowed to consume food and liquids, they may start to put random items into their mouths.
Small objects are a choking hazard, and it is essential to keep them out of reach. House supplies like cleaning agents and liquids need to be stored at a height or locked in a cupboard so that the child does not have access to it.

4. Place door and window stoppers:
Appliances and furniture have doors that can easily open. Once the child can reach them, installing stoppers to these doors and windows is crucial to prevent them from hurting themselves. Suppose you’ve invested in reliable home insurance India plan; you can add these necessary babyproofing objects to your house.

5. Do away with the mats and tablecloths:
Children have a habit of running around the house. They may accidentally slip on mats and rugs placed in various corners of the home. Tablecloths that hang low are easily accessible to the kids who can pull on them along with all the items placed on them. This can not only hurt and injure them but also damage household items.

To conclude, these tips can give you an excellent start to babyproofing your house to protect your child. With all the wear and tear your home undergoes, babyproofing can be stress-free if you have the right home insurance to rely on. Your ideal home insurance can even cover you for unexpected losses or damages or provide compensation in case of mishaps like theft, fire, earthquake, and natural calamities, etc.

Click HERE to buy the best deals on home insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Buying a house? Here are some tips for finding the right real estate broker

The majority of house buyers and sellers use the services of real estate brokers to make the process hassle-free. A real estate broker is a middleman who connects a buyer and a seller. An experienced broker can help you secure a good deal while keeping both parties' interests in mind. Unfortunately, the real estate sector in India is rife with misinformation and uncertified real estate agents.

As a result, finding the perfect broker is crucial in making informed decisions and avoiding costly mistakes. Finding the right real estate broker is as important as finding the best home insurance policy. Here is how to pick one.

1. Authenticity:
Reputation is a key component in the real estate sector. A reputable broker maintains relationships with developers, owners, and other real estate professionals. Question at least two clients about the agent's authenticity, knowledge, service quality, and, if possible, the pricing of homes they acquired through your agent. Preferably opt for a licensed broker who is a member of the National Association of Realtors (NAR).
Brokers must be RERA (Real Estate Regulatory Authority) registered in addition to being a part of a reputed organization. The state's RERA website posts all of the agent's info. You can look up these facts on the website using the registration ID of the real estate broker.

2. Understanding of the neighbourhood:
When looking for a real estate broker, the first thing you should look for is someone who knows the neighbourhood. Your broker should be well-versed in the local market conditions.
A good real estate broker is well suited to reveal the nitty-gritty of an area, the real estate inventory, and the prospects. It's also necessary to know current property trends. You'll be in good hands if you find a broker familiar with the local rules and regulations regarding property purchases.

3. Potential prospects:
Do not finalise a broker on the spur of the moment with a single offer. Investigate the market and speak with at least two or three agents. You can ask questions, learn about their experience and working style, and determine their areas of specialisation and professionalism by meeting and interviewing a few possible brokers.

4. Brokerage:
It's critical to negotiate your agent's fee upfront without ambiguity. In most Indian cities, the fee is usually 2% for transactions worth more than Rs 50 lakh and 1% for transactions below. Real estate brokers frequently skip the fee section and charge a high percentage after the contract is closed, leading to disagreements.

Buying a home is both a financial and emotional investment. Many homeowners will also agree that purchasing a home is a complicated job. The right real estate agent can make the process less stressful while ensuring that you get a decent deal.

After finding a great deal on the house, the sense of claiming it as your own is unquestionably a once-in-a-lifetime experience. It is suggested to purchase home insurance coverage to protect your new home from undesired circumstances and shield your personal space with a layer of financial protection.

To know more about home insurance, click HERE .

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Trekking solo or with a group? Let's clear the air of confusion

"The best view arrives after the hardest trek," and there is no denying that. The beautiful valleys, the breath of fresh air, the stunning views are just a few of the many rewards you get at the end of a trek. We have heard about the experiences of avid trekkers, and each of them, without fail, has mentioned that everyone should go trekking at least once in their lifetime.

Trends show that more and more people are leaning towards new outdoor experiences, and trekking is something they want to enjoy. While choosing a destination isn't challenging, zeroing in on the other aspects of your travel becomes essential. One crucial question is whether to travel solo or in groups. Today we will try to shed light on both of these to help you make an informed decision before your next trip.

Why travel solo?
People have often associated trekking with catharsis. They enjoy the peace, quiet, and sometimes the mini-adventures that come with it. Navigating through unknown roads, climbing treacherous terrains, cooking your food, and enjoying your solitude is what any travel enthusiast dreams of. This means that you are fully responsible for everything that happens during that trek, and the experience is unique to you.
Another vital aspect is that since you are the sole proprietor of your journey, every decision made and every skill used comes from your judgement. This is an incredible way of learning your strengths and making yourself confident for future solo trips. The added benefit of going solo is that you set your milestones.
You aren't worried about being left behind, you don't have to race to the top to ensure you get the ideal spot for your tent, and you don't have to depend on other people's time. Instead, you get to explore like a wanderer.

Why travel in a group?
Shared knowledge is the best knowledge. When you travel in a group, there is a chance you might meet skilled travellers. Travelling with them helps you gain better insights into immersive experiences, and more often than not, they have tips and tricks to help you in your journey to the top.
There is a zeal associated with travelling in groups, where people constantly support each other and share new stories. There is a powerful sense of euphoria when you stand together, looking at the beautiful view from the top with each other. In addition, there is a distribution of responsibilities, some help in pitching the tent, some help in lighting the fire, and others help with the cooking process.
Travelling in a group ensures the safety of everyone, and in case of injury, there is always someone to help you. And by the end of your expedition, you make many new friends with whom you share fond memories.

These are some of the benefits of travelling solo and in a group. Treks can be a wonderful experience if done right, and in a country like India, there are a plethora of options that you can explore. Some groups conduct annual treks. Signing up with one can be an excellent start to your trek experience.

Keep in mind that your safety is of utmost priority no matter how you travel. So carry a first aid kit, visit your doctor for a checkup, and don't forget to buy general insurance online to get exciting deals and protect yourself from landing into unnecessary trouble.

Click HERE to buy general insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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The complete guide to perfectly and effortlessly painting your home

Painting your house can be a great way to improve its appeal, increase its monetary value and overall make you love your place even more. The best part is that painting does not even cost you much if you use the right tips and tricks. However, before picking up the paintbrush, remember that it is not child's play.

The gratifying project of giving your house a new look with a fresh coat of paint can become taxing if you follow the wrong ways. To make sure your home stands out in the neighbourhood, you must take an informed and measured approach to painting.

Before you make your selection, here's something you should know.

1. Hire a professional or do it yourself:
Decide on whether you want to hire a professional painter or do everything yourself. Both have advantages and disadvantages. Professional painters will cost more, but they will do the job faster and with correct procedures that non-professionals may not.

2. Choosing the appropriate colours:
The colour selection might be time-consuming due to the importance of each family member's shared decisions and choices. To observe the impact and brightness of the colours, purchase paint samples and apply them to any two sides of the wall. Or check out the colour palette of different paint companies and then choose.

3. Deciding on the best time to paint:
If you want to paint the building's outside walls, you should do so during the summer months so that the paint does not take as long to dry. Otherwise, paint only in the late mornings and early evenings when the weather is warm enough for the paint to dry.

4. Calculating the cost of painting:
You'll need to calculate the entire painting cost, including the equipment, expert painters (if you're employing them), paints, primers, and other supporting materials.

Before you begin the painting process, keep the following recommendations and practices in mind:

• Examining the house:
The painting should begin with a thorough examination of the entire area. Before applying a paint coat, make a list of every crack, hole, and structure that has to be fixed.

• Figuring out how much paint you'll need:
It's much easier to calculate and estimate the amount of paint that needs to be purchased once you've taken down the measurements of the area that is to be painted. It is generally a good idea to buy more paint than you need.

• Getting rid of old paint:
You must remove the old paint if it has deteriorated and flakes have begun to appear on the unsightly walls. Use a paper scraper to remove the old paints. This will eliminate the blemishes from the walls and clean them by removing the undesired dust.

• Cleaning the residence:
Professionals usually do cleaning and remove everything from the house. Before painting, clean the house to prevent dust from adhering to the walls. Remember to use a cloth to cover any other areas and big furniture you will not be painting.

• Begin the painting:
After these preparations, the paramount step is to paint the wall. First, spray the paint on the wall using a sprayer and then roll it down with a roller. Many specialists recommend that you employ the back-rolling method.

The next step is to let the paint cure for at least 24 hours since it will take practically an entire day to completely dry.

Painting is just one more method to nurture your home and take good care of it. Another approach is to get a low-cost home insurance India plan. This will cover your property from various catastrophes and ensure longevity by adding value to your prised possession.

Click HERE to buy a reasonable home insurance India plan.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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A room-to-room guide for deep cleaning your home

Cleaning our home is a regular task for all of us. It improves hygiene and promotes physical and mental well-being. Tidying the mess around you gives you clarity of thought and can be therapeutic. But sometimes, sorting the mess doesn't help, and a deep cleaning process is needed.

It might sound stressful, but no need to worry. This blog is a room-to-room manual for deep cleaning your home without getting tired during the process. We have broken it down into small doable tasks that are easy to follow.

But before we begin, go ahead and declutter the mess around you to make it convenient to move around freely while cleaning. Once you have sorted your scattered possessions, follow the subsequent points to proceed with room-wise deep cleaning.

1. Bedroom:
Remove the beddings and put the bedsheet and pillow covers into the laundry. An extra spin would help in drying them faster. Air dry your synthetic pillows. For heavy comforters, a laundry facility would be helpful. You can clean your mattress by sprinkling a little baking soda on it, letting it sit for an hour, and then using a vacuum cleaner to extract all the dirt. Next, declutter your closet by pulling out the clothes you won't wear and donating them. Finally, get all the blazers and the crease-prone garments on hangers to organise your closet.

2. Kitchen:
Start by wiping all the cabinets and external surfaces. You can use newspapers or mats to put on the shelves to avoid dust on the surfaces. Take all the things off your shelves and wipe them using suitable cleaners. Wipe the refrigerator inside out after emptying it. Follow the same process for the stove, dishwasher, and other appliances if possible. Wipe the countertops using cleaner liquids and let them dry.

3. Bathroom:
Some shower curtains have labels that mention if they're washable. Make sure to check yours before you wash it. Afterward, rehang to let it completely dry. You can also wash your plastic shower line or purchase a new one. To remove the water spots and soap scum, use heated distilled white vinegar for the doors and scrub with baking soda using a non-scratch pad. Finally, declutter your washroom cabinets, clean the surfaces, categorise the items, group, and arrange them. Do the same with your first aid and medicine cabinet.

4. Living room:
Use a vacuum cleaner to clean all the furniture. Remove the cushions for easier access to the deepest corners. Collect all your showpieces and photo frames from the shelves and wipe the surfaces with cleaners. Now take all the photo frames and clean them gently using a microfiber cloth. This will help you avoid scratches. You can use a thin dusting wand to clean beneath the surfaces of electronics. Go through all your CDs and DVDs and if they're not of use anymore, collect them to donate or sell.

Use these tips as your guide to deep clean your home without any hassle and stress. Also, ensure to safeguard your home and buy home insurance online. With the world going digital, you can explore your options and buy home insurance online in India with only a few clicks. Additionally, online insurances offer exciting benefits and deals to the policyholders to opt from and take advantage of.

Click HERE to know more about how you can buy home insurance online in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Six financial goals you should target in the year 2022

The year 2022 is specifically crucial as the pandemic has caused individuals from all around the globe to pause and reconsider how they have handled their funds over the last couple of years. While the idea of plotting financial goals in the aftermath of the pandemic recession may seem daunting, it is an excellent time to participate in a different type of financial goal-setting.

As we are just getting started with 2022, remember, the sooner you begin, the better you will achieve your financial objectives. So, to help you start your journey to financial freedom, we have written this blog which points out 6 goals that you should meet. Let us take you through each of them briefly.

1. Build an emergency fund:
A liquidity backup set up for emergencies and unexpected bills is known as an emergency fund. You can use these savings for unanticipated costs or payments that are not part of your regular expenses. It can act as a financial cushion when you are looking for a job change, are unemployed, and support you during the uncertain times of Covid-19. It's just like an umbrella, not much of use most of the time but tremendously valuable when needed.

2. Savings for a home:
Owning a home is one of the most popular financial objectives people seek to fulfill. It is evident that people must work hard to achieve this goal. Planning for it may be difficult but not impossible if you start early. To appropriately fund this aim, you must first analyze your financial flow and requirements. Check your spending habits and invest in schemes that will earn you a good return in the future.

3. Adequately insure yourself, your family, and your assets:
You and your dependents can face numerous financial hazards if not adequately insured. Health insurance is crucial in today's times. We cannot deny the importance of general insurance in India for your other assets like a house, motor vehicle, etc. There are many good companies offering health and general insurance in India.

4. Invest for your retirement:
Saving for your retirement is a crucial financial long-term goal. Keeping a retirement fund to live comfortably and pay for medical expenses in your later years is essential. However, achieving this goal will be wholly dependent on your financial portfolio and spending habits over the years unless you have other forms of passive income.

5. Savings for your next generation:
With an average of two kids per household in our country, the university and upbringing cost is very high. You would indeed desire the best college and educational facilities for your offspring. However, paying for all the tuition fees and other costs of having kids is not that easy. After attaining your financial freedom, planning for your next generation is the most important goal you should look forward to.

6. Being debt-free:
Staying out of debt is a must for your financial wellness. This will ensure that you achieve your other financial objectives without any hurdles. Whether it's repayment of loans or clearing credit cards debts, make a strategy to get out of it as soon as possible.

Setting financial objectives will be one of the most important things you will have to do every successive year. If you're a married individual, you'll notice that many of these targets aren't purely personal and heavily involve your partner. Having communication with your partner and financial adviser can help you work together to get the most out of your resources and meet your financial targets. Happy New Year and happy financial planning!

You can check the most economical plans HERE.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Visit these top six unexplored tourist destinations of India in 2022

We all enjoy the occasional getaway to rejuvenate ourselves and break the mundane routine of our day-to-day lives. So often, we find ourselves surfing the internet for hours, trying to zero down on the one place we can go to and relax with our loved ones. But more often than not, we end up not going to these places. And there is no shortage of images on the internet, so we find ourselves looking at them and yearning to be there.

Today we will be looking at six places that will promise you peace and calm on your next getaway.

1. Cherai Beach, Kerala:
Popularly known as the ‘Princess of Arabian sea’, Cherai beach is located about 16 miles from Ernakulam on Vypeen island. This golden beach boasts blue waters and lush green vegetation stretches that are a must-visit for anyone who wants to unwind by a beach. People can enjoy various water sports in this destination. Cherai also hosts a five-day tourism festival that conducts an array of diverse cultural and traditional art forms.

2. Bhimbandh, Bihar:
This hot spring holds great significance in the history of India. Unfolding the pages of the past, during Mahabharat, when the Pandavas had to live in disguise, Bhimbandh was one of the locations that they had chosen. The temperature in this natural spring goes up to 72 degrees celsius. It is believed that Bhim was instrumental in placing slabs across the stream to prevent the water from flowing at high speeds. Hence the name “Bhimbandh”.

3. Gandikota, Andhra Pradesh:
India’s Grand Canyon, Gandikota, is undoubtedly one of the most picturesque places in the land. The main attraction is the Gandikota fort and its ruins. Built-in red sandstone, the fort has beautiful and intricate carvings, watchtowers, and a few noteworthy temples. Anyone interested in history should add Gandikota to the bucket list of places to visit.

4. Nagore, Tamil Nadu:
Nagore is a quaint town in Tamil Nadu, known for its famous Dargah, dedicated to Shahul Hamid, a renowned Sufi saint. It also promises a rustic, old-world charm and is a must-visit destination for travellers to enjoy beautiful unspoiled beaches.

5. Netarhat, Jharkhand:
A hill station, covered with thick forests known as the “Queen of the Chotanagpur”. One of the few places famous for its breath taking sunrise, and equally beautiful sunset, Netarhat is about 154 km from Ranchi. This hidden gem is surrounded by pines and orchards, making it the perfect picnic spot to enjoy with family and kids.

6. Idukki, Kerala:
This beautiful place has vast spans of mountains and dense forests. It has the lowest population density in Kerala, so its beauty is untouched and unexplored by many. Famously known as the ‘spice garden of India’. The Idukki dam is also one of the largest dams in the country and is a sight to behold.

We hope these places help you curate your next travel trip. Remember, no matter what the place is, always try to live amongst the locals and get a feel of the local lifestyle and the food. This only adds volumes to your experience and can be something that you will remember for the rest of your life. If you plan on taking a vacation, it is ideal to get your general insurance sorted. A beforehand general insurance policy acts as a safety net against any risks or unforeseen expenses you might face while traveling.

Click HERE to know more about general insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

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Why Home Insurance against Natural Calamities is Essential

One of the most expensive assets that an average earning Indian buys in his/her life is a house. A good part of our earnings is spent on buying and furnishing our dream home. Though we pay a lot of attention when purchasing and setting up our house, we often neglect to get it insured from the best home insurance company in India.

Due to a lack of awareness among buyers, many people don’t consider buying a home insurance policy to protect their homes against natural calamities. There is a misconception among insurance buyers that home insurance is costly. However, the fact is that home insurance against natural disasters in India is inexpensive. It is being offered by the best home insurance company in India at a price that doesn’t burn a hole in your pocket.

Why buy Home Insurance against natural calamities?

Despite knowing that home insurance against natural calamities is not as expensive as it is perceived, only 1% of people buy the insurance cover.

It is essential to buy home insurance against natural calamity because India is a disaster-prone country. Many regions are prone to experience earthquakes with severe intensity. Also, there are many areas, approximately 12% of India, which is likely to floods. The areas on the Indian coastline are prone to experiencing tsunamis.

The frequency of natural disasters in India has increased in the past few years. According to the World Bank’s estimate, approximately 600 districts in India are calamity-prone. This places a large number of people and their property at a higher risk.

It is thus essential for Indians to buy a home insurance policy against natural calamities from one of the best home insurance companies in India. Moreover, a home insurance policy covers not only the building of your home but also the components in it from damages.

Here is a detailed analysis of why you need to buy a home insurance policy.

It not only protects your home:

  • A home insurance policy provides protection not only by covering your home but also the components within.
  • You can easily opt for add-ons to protect various components of your house like furniture, valuables, electronics, etc.

Replacement of loss

  • A home insurance plan not only provides financial safety but also provides for the replacement of the insured subjects.
  • You can opt for replacement cost instead of depreciation value when buying a home insurance plan.
  • The structure of the building and the various components are insured for their replacement cost.

Home Insurance is inexpensive

  • Home insurance plans to protect your home against natural calamities are available at affordable premium costs.
  • You can easily buy home insurance from the best home insurance company in India without pinching your pocket.

Protect yourself from lawsuits

  • A comprehensive home insurance policy offers you the required peace of mind by protecting you from property-related lawsuits.
  • Some insurance plans also cover the medical expenses of a guest who is injured on the premises of your residence.

It offers flexibility

  • If you are willing to buy a home insurance plan to protect your property from natural calamities, you can choose between insuring the structure of your home or only it’s content. This offers flexibility in buying a home insurance plan.

Natural calamities cannot be controlled, but you can protect your home. If you still don’t have home insurance, buy one soon from the best home insurance company in India to protect your dream home.

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Buying a house? What you need to know about home insurance policy

Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration. –Charles Dickens

You’ve made the big decision to purchase a dream house: reality is finally sweeter than your dreams! Congratulations.

A house is a matter of pride and a big commitment for many many years. A house is probably one of the biggest investments you will ever make: a dream you would like to protect.

While there is little we can do against natural disasters, we can reduce some of the hardships by having home insurance, which protects against any damage to the house and valuables in it.

Home insurance is poorly sold in India; People are either not aware of home insurance or are reluctant to buy it. They don’t see the risk to their property—be it fire or an act of terrorism; and of course, it always happens to other people!

A lost life cannot be regained, but a lost house can be rebuilt and it doesn’t cost much.

Here is what our Truth lens tells us:

A good policy covers for financial loss arising out of various incidents such as fire, earthquake or burglary. It covers, not only for structural damage but also for all other assets and possessions you may have, right from a rug to a refrigerator.

Here are a few things to consider:

One, the Cover

At the basic level, a standard fire and special perils policy covers your structure and possessions from fire and other dangers such as earthquakes and storms. The second level of coverage protects against burglary or breakdown of mechanical and electrical appliances. The last one protects against minimal risks such as loss of rent, loss of important documents such as title deeds and passport, and provision for alternate accommodation.

Two, the Sum Insured

While the value of your house is based on three factors - land, cost of construction for the building and prevailing real estate prices – the insurance only covers for the building’s cost of construction. Most insurers will offer a standard rate per square foot multiplied by the carpet area of your house. The rate offered also considers depreciation. Therefore, it is important to go for a reinstatement cover. This covers for rebuilding your home from scratch, assuming the worst.

Three, Compliance

If you are living in an urban high-rise, your flat alone cannot be rebuilt in case a big calamity hits the locality. It is the housing society’s responsibility to insure the entire premise. Talk to the society management and figure the kind of insurance availed of and what supplementation you need. The insurer will not cover for poor or unauthorized construction and you don’t want to be left high and dry in the event something goes wrong. Taking 2 insurance policies for the same asset will not result in double benefits! [This is based on the principle of indemnity, and the more technical oriented amongst us can click here to read more about it]

Time period: Home insurance can be bought for a minimum of one year to a maximum of five years. Do remember to renew.

Fine print: Home insurance policies are worded differently. For example, structure insurance may only be for building and not land, or only jewelry kept in the locker may be covered.

Tenants: If you are living in a rented house, you can insure only the contents and not the structure as you don’t own it.