What is Home Insurance Policy?

Home is a place where everything begins – love, hopes and dreams. We feel good when we leave our home but we feel very much better when we come back, that’s the magic of word ‘Home’. But what if that loved place gets damaged because of annoying reasons? Surely a big hole to your pocket as it is very difficult to build a home again. Better option to such heart breaking situation is Home Insurance Policy which not only protects your home but also gives coverage to valuable things inside the home.

Inclusions and Exclusions by Home Insurance Policy

Before buying any home insurance policy, consider the inclusions and exclusions provided. Most of the policies offer following inclusions and exclusions:


  • Fire and Perils Cover.
  • Earthquake Cover.
  • Burglary and Theft Cover.


  • Loss due to situations like war, invasion, act of foreign enemy and hostile
  • Jewellery Items
  • Loss of cash
  • Loss caused by wear and tear
  • Willful Misconduct
  • Loss caused by over-running of electric equipment

Benefits of Home Insurance

No one has control over the natural calamities like flood or earthquake but everyone can control the damages to your home due to those natural disasters with the help of home insurance policy.

Home is not just structure of bricks and beams; it consists of many valuable things like furniture, appliances, and audio-video instruments. Home insurance policy also provides coverage to that content of your home.

You need to pay more for other insurance policies but for home insurance policies premium rates are lower. Rebuilding Process can be done quickly if you continue to pay your insurance premiums timely.

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