Article

Home Insurance
June 07 , 2012

Home insurance is a general insurance product that insures the structure of your home itself, as well as your valuables, against theft or damage. In case you have taken a home loan, some Banks may require you to take this insurance. The important point to note is that it covers only the cost of rebuilding the structure, and not the land cost on which the house stands. After all, in a fire or an earthquake, it is only the structure that is damaged – the land isnt going anywhere!

Brokers rarely sell home insurance since it earns them little commission. Yet, as a home owner, this is an important insurance for you to take, to get complete peace of mind about the safety of your assets. Ask someone who had a house in Ahmedabad during the Gujarat earthquake of 2001! The premiums are extremely low, and the paperwork minimal.

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