Lot of people neglect about insurance not only personal but also house and house hold goods also. People will do insurance for vehicle why? because governments are framed rules to vehicle insurance.
Life and property is more than worth of vehicle because you have to frame self rules for property insurance also.
Property Insurance:
All most Insurance companies are offering house and house hold goods insurance. This type of insurance schemes will get demand when the time of earth quakes. Tsunamis, and floods later people will forgot about this type of insurance.
Home Insurance:
Home insurance will be give protection when house get damages with natural calamities like, floods, earth quakes, fire, theft also.
Government Insurance companies like Oriental Insurance, New India Insurance, National Insurance, United India Insurance companies are providing hot me insurance.
Non-Life Insurances PVT sector like Ifco-Tokyo, ICICI Lombard, TATA AIG, Bajaj Allianz are providing Home Insurance policies.
For Rental House Also...:
Lot of people will think "why we have take home insurance policy", who lives in rental houses. As per views this is wrong opinion. of course we are living in rental house but house articles like furniture, electronic goods, jewellery is ours only what about that?....
Those who living in own house they have to insure hole house. Those who are living in rented house they have to insure content insurance. (means house hold goods like furniture, electronic goods, jewellery etc.,)
About Premium:
Don't get panic/fear about house insurance premium. It is equal to cup of TEA per day. It is nearly Rs. 50/- per lakh. In house insurance never calculate the land price. Insurance Companies calculate only built up area means construction value. If one house in buildup in 1000 sq ft. construction value of as per market rate if it worth 15,00,000/-, Insurance premium will be Rs. 750/-, If house hold goods value around 10,00,000/-, Rs.250/- will charge for this house hold goods. Means your 1000/-rupees will protect your house and house hold goods for year period.
Companies are offering discounts also for those who are going to opt. for three years companies offering 15% discount, 50% discount for more than 10 years.
Riders also Available:
Companies are offering riders also for personal accident, Attack of terrorists, Rent for the period of completion house (If existing Insured house damaged in natural calamities etc.),
"Own a Property… Get Power. It means…. No Property …. No Power”
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