Key highlights
Coverage for Natural Disasters
Protects your property from damages caused by earthquakes, floods, cyclones, and other natural calamities, ensuring financial stability during unexpected events.
Fire & Allied Perils Protection
Provides compensation for losses due to fire, lightning, explosions, and other related risks, helping in rebuilding or repairing your home or commercial space.
Burglary & Theft Coverage
Offers financial protection against burglary, theft, and vandalism, covering loss of valuables and damage to the property.
Loss of Rent & Alternate Accommodation
In case of major damages rendering the property uninhabitable, the policy compensates for lost rental income or provides funds for temporary accommodation.
Structural & Content Protection
Covers both the physical structure of the property and valuable contents such as furniture, electronics, and fixtures, providing all-around security.
Public Liability Coverage
Protects against legal liabilities if a third party sustains injury or property damage due to incidents occurring on the insured property.
Exclusion
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Gradual Wear & Tear
Damages due to aging, normal wear and tear, or lack of maintenance are not covered under property insurance.
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Pre-Existing Damages
Any existing structural damages or defects present before purchasing the policy are not included.
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War & Terrorism-Related Losses
Damages due to war, terrorist activities, or nuclear hazards are generally excluded from standard policies.
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Illegal Activities & Wilful Negligence
If the damage results from unlawful activities or intentional negligence, the claim will not be honored.
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Certain Natural Disasters
Some policies may exclude specific natural calamities like landslides, unless an additional rider is purchased.
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Loss of Cash & Documents
While property contents are covered, loss of cash, important documents, or jewelry beyond a specified limit may not be included.
Types Of Property Insurance
Home Insurance
Covers residential properties, protecting both structure and contents against various risks like fire, theft, and natural disasters.
Commercial Property Insurance
Designed for business properties, ensuring financial security against damages to office spaces, warehouses, and retail outlets.
Landlord Insurance
Specifically for property owners renting out their premises, offering protection for structural damages and loss of rental income.
Renter’s Insurance
Covers tenants’ personal belongings against theft, fire, and other damages while residing in a rented property.
Industrial Property Insurance
Provides coverage for factories, manufacturing units, and warehouses, safeguarding against operational losses and asset damage.
Specialized High-Value Property Insurance
Tailored for high-end properties, covering luxury items, antiques, and art collections with extended coverage.
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Why is Property Insurance Essential?
Natural calamities and accidental fires can lead to massive losses; property insurance ensures financial assistance for rebuilding and repairs.
Whether it’s a home or a business property, insurance helps protect your hard-earned investment from unforeseen risks.
For commercial properties, insurance minimizes financial setbacks by covering losses due to structural damages or operational disruptions.
Protects home owners and business owners from legal claims due to third-party injuries or damages occurring on their property.
Knowing your property is insured against various risks allows you to live or operate a business without financial worries.
With a variety of plans and add-ons available, you can tailor coverage based on specific needs, ensuring adequate security at reasonable premiums.
