HOME INSURANCE

Home Insurance is a specialized branch of insurance that covers homes financially against all types of losses occurring to one’s home, its contents and losses of its use or of other personal possessions of the owner of that house. It is a sub-system of Property Insurance and generally comes as a package policy. This implies that in addition to covering the damage to the property, it also protects the insured against the lawsuits for the injuries and property damage caused by the dwellers of that house to others. This liability includes no-fault medical coverage that means in case a person is injured at your place, he/she can directly claim the reimbursements for medical bills without filing a lawsuit. One interesting fact about this clause is that in this case, members of the family include household pets!

Before opting for a Home Insurance Policy, one should keep in mind certain things. Home Insurance Policies normally protect houses against disasters like fire, hurricane, lightning and other disasters listed in the policy document. But some disasters like flood, earthquake or war are kept out of the policy, though, one may purchase separate policies for these calamities. Routine wear and tear and other maintenance related problems are also excluded from this list. Some policies also cover structures detached from home but within the same compound like garage for a little extra premium.

Personal belongings like furniture, equipments and other articles can also be covered in case of pilferage or damage by disasters mentioned in the policy document. In some cases, off-premises coverage of belongings is allowed but the percentage of insurance is kept very low. This implies that these items are covered against damage and theft even outside the premises or even anywhere in the world. Plants can also be insured through home insurance and it would provide coverage against various disasters excluding diseases and wind.

Additional living costs incurred in case the insured is incapable of staying at home due to damage done to the house, also come under the purview of the home insurance. The coverage pays for the entire tenure the insured has not stayed at home.

Home Insurance is commonly done for a fixed term. Thus the premium charged covers the house for a fixed tenure. In case, the house is insured for no fixed term, it is called Perpetual Insurance. The premium depends on the likelihood of damage.

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