Read This Before You Buy a Home Insurance


Purchasing a home involves financial liabilities, putting some safety caution in place such as insuring your home against various natural and other calamities, would help in securing your home. La Prisma offers the top flats in Zirakpur and encourages homebuyers to buy a home insurance policy as it acts as an essential backup in case things go wrong. Here are some things that you need to know before you decide to buy a home insurance policy.

 

Types of Home Insurance


There are a lot of insurances out there in the market such as umbrella policies (a combination of covers under one document, may also contain personal lines or liability covers), fire insurance policy, burglar insurance policy, etc. According to IRDAI, the fire insurance policy covers not only the risk of fire but also covers lightning, explosion, riot, strike, aircraft damage, storm, cyclone, typhoon, hurricane, landslide, overflowing of water tanks, apparatus, and pipes, etc. Most homebuyers go for the fire insurance policy. However, this policy doesn’t cover loss caused by war or warlike operations, pollution or contamination, electrical/mechanical breakdown, burglary or housebreaking, according to IRDAI.

A burglary insurance policy covers cash, valuables, and securities contained in the premises.

 

The Right Fit


Before choosing an insurance policy, it is crucial to understand what suits you the best. For instance, if your home is in a flood-prone area, going for a fire insurance policy or the insurance that covers damages caused in case of a flood would be the best option for you. Besides, also check what kind of tax benefits policy can provide you.

 

Background Check


It is crucial to research before buying a home insurance policy. Go through online forums that would help you understand the claim settlement ratio of various companies. Compare different companies and their offerings and do not buy a policy solely based on offers and discounts a company is offering.

 

The Fine Print


Make sure to read policy papers carefully. A company’s agent might try to sell a policy explaining mostly the advantages. However, any errors, even minor ones, must be brought to the notice of the agent immediately and rectify the clauses of a policy.


La Prisma offers the top 3BHK luxury flats in Zirakpur and suggests all the homeowners ask questions and doubts related to the home insurance policy before buying. The more questions you ask, the better you will understand the policy matters.

Info Source: businesstoday.in

Location: La Prisma - Nagla, Road Chandigarh - Ambala Highway, Zirakpur, India, Punjab 140603, India

Comments

  1. Tooba khan14 October 2020 at 14:07

    Really its an Awesome article, it is very impressive, helpful, and attractive. It's a great pleasure to read your article. i liked your article very much as it really gives helpful information.
    2 BHK in Meerut

    ReplyDelete

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