{"id":1919,"date":"2022-09-02T15:22:30","date_gmt":"2022-09-02T09:52:30","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1919"},"modified":"2022-11-17T10:08:25","modified_gmt":"2022-11-17T04:38:25","slug":"all-you-need-to-know-before-buying-a-home-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/","title":{"rendered":"All You Need To Know Before Buying a Home Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/#What_is_Home_Insurance\" >What is Home Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/#Features_of_Home_Insurance\" >Features of Home Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/#Home_Insurance_Inclusions\" >Home Insurance: Inclusions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/#Home_Insurance_Exclusions\" >Home Insurance: Exclusions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Are you planning to buy an insurance policy to protect your house? A home insurance policy protects the structure of your house and the most treasured possessions present in the house from different perils. It allows you to enjoy a stress-free life by providing financial protection against covered risks.<\/span><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"What_is_Home_Insurance\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: #444444; background: white;\">What is Home Insurance?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: #444444; background: white;\">A home insurance policy (homeowner\u2019s insurance policy) is a type of property insurance that protects your home (owned or rented), and the content of your home against an uncertain event like fire, flood, storm, housebreak, theft, etc.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-1921\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2.jpg\" alt=\"All You Need to Know Before Buying a Home Insurance Thumbnail\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Features_of_Home_Insurance\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Features of Home Insurance<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>It covers losses and damages to the physical structure of the house.<\/li>\n<li>It covers losses and damages to the property\/possessions present in the home like electrical appliances, furniture and fixtures, and <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/things-you-need-to-know-before-buying-jewellery-insurance\/\">jewellery<\/a> if included in the policy document.<\/li>\n<li>The policy covers damages arising out of natural calamities (fire, earthquake, bursting of pipes) and man-made reasons like theft, burglary, etc)<\/li>\n<li>The policy tenure can be 1 year or you can avail of a longer tenure. If you have taken household insurance cover only for the building structure, then the policy tenure ranges from 1 to 30 years. However, if you have taken the home policy for home content only or both &#8211; the building structure and the home content, then policy tenure ranges from 1 to 5 years.<\/li>\n<li>It also offers cover to an additional structure around the insured house like garages, pool, mailbox, etc.<\/li>\n<\/ol>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Home_Insurance_Inclusions\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Home Insurance: Inclusions<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A home insurance policy covers losses to the structure of your home and your belongings within your home due to natural and man-made calamities like<\/p>\n<ol>\n<li>Fire, lightning, explosion<\/li>\n<li>Riot, strike, and malicious damage (RSMD)<\/li>\n<li>Earthquakes, storms, cyclones, typhoons, floods, etc.<\/li>\n<li>Bursting\/overflowing of the water tanks, apparatus, and pipes<\/li>\n<li>Burglary or theft<\/li>\n<li>Damage caused due to an external object like a tree falling.<\/li>\n<\/ol>\n<p>Read the terms and conditions of the policy document carefully as there can be more inclusions.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2 style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span class=\"ez-toc-section\" id=\"Home_Insurance_Exclusions\"><\/span><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Home Insurance: <\/span><\/b><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Exclusions<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Loss or damage due to a deliberate attempt.<\/li>\n<li>Loss or damage due to willful negligence<\/li>\n<li>Loss or damage caused by war, war-like operations, invasion, or act of a foreign enemy, terrorist attack.<\/li>\n<li>Loss of cash<\/li>\n<li>Damages due to volcanic erosion (generally excluded)<\/li>\n<li>Pre-existing damage<\/li>\n<\/ol>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Who Can Buy a Home Insurance Policy?<\/span><\/b><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Anyone having an insurable interest in the property i.e., the house can buy home insurance. He can be the owner of the house or a residing person.<\/span><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial','sans-serif'; color: #444444;\"> A <\/span><span style=\"background: white;\">tenant can also insure a rented house.<\/span><\/span><\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><b><span style=\"font-size: 14.0pt; font-family: 'Arial','sans-serif'; color: #444444; background: white;\">Things to Remember Before Buying a Home Insurance Plan<\/span><\/b><\/p>\n<p>Before buying a homeowner\u2019s insurance plan, compare different policies offered by different insurance companies. You must check the important facts enlisted below:<\/p>\n<ol>\n<li>Carefully read and compare the coverage provided by different companies.<\/li>\n<li>Check whether the premium quoted, fits within your budget or not. If not, then you can try negotiating with the company or choose another company\u2019s policy.<\/li>\n<li>Check the insurer\u2019s reputation in the market.<\/li>\n<li>Check the claim settlement ratio<\/li>\n<\/ol>\n<p><span style=\"font-family: 'Arial','sans-serif'; color: #444444;\">If you face any insurance-related problems, you can contact Insurance Samadhan. We have helped 14,500+ people in resolving complaints related to insurance. Contact us to get samadhan for your insurance-related issues. We are always available to help you out.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">Cashless claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-to-deal-with-health-insurance-claim-rejection\/\">Health Claim Rejection<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\">Click here<\/a>\u00a0to register your case with us<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/\"\n  },\n  \"headline\": \"All You Need To Know Before Buying a Home Insurance\",\n  \"description\": \"A home insurance policy (homeowner\u2019s insurance policy) is a type of property insurance that protects your home (owned or rented), and the content of your home against an uncertain event like fire, flood, storm, housebreak, theft, etc.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/All-You-Need-to-Know-Before-Buying-a-Home-Insurance2.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-09-02\",\n  \"dateModified\": \"2022-09-02\"\n}\n<\/script><\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Are you planning to buy an insurance policy to protect your house? A home insurance policy protects the structure of your house and the most treasured possessions present in the house from different perils. It allows you to enjoy a&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/all-you-need-to-know-before-buying-a-home-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[136],"tags":[137,139,140,141,138,142],"class_list":["post-1919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","tag-home-insurance","tag-home-insurance-plan","tag-home-insurance-policy","tag-homeowners-insurance","tag-household-insurance","tag-property-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>All You Need To Know Before Buying a Home Insurance<\/title>\n<meta name=\"description\" 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