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Advantages of Home Insurance
The home insurance policy offers comprehensive coverage to both, the structure and contents of your home, against a wide range of risks such as fire, lightning, earthquake, theft, riot and other hazards.
Homeowner insurance policy will pay for the expenses of replacing your personal belonging which got damaged in an unfortunate event with the brand new items of the same quality.
Home insurance comes at comparatively low premium rates. Also if proper safety equipment like burglary alarm is installed at home, then insurers also offer attractive rebates on your premium.
Householders insurance policy claims are usually promptly settled, allowing families to start the reconstruction process quickly and helping them to reduce stress and move back to their normal lives.
Fire and Allied Perils Covered
House insurance policy covers damage to the home and its contents against all the 12 perils specified under standard fire insurance policy including fire, lightning, explosion, aircraft damage, and impact damage.Damage to the property due to earthquakes, flood and other natural disasters are covered by the policy.
The policy also offers protection to the contents of your home against loss due to theft and burglary.
Liability Protection
Homeowner insurance offers protection against legal liability arising from personal injuries to the guests or third party which they might have incurred while residing in the insured house.This policy also covers third party property damage which may occur due to an incident in an insured house.
All the legal fees and settlement costs arising from this legal liability will be reimbursed by the policy.
Additional Benefits
House insurance comes with lots of additional coverages like costs of the key and locks replacement, loss of rent, loss of cash, compound wall damage and coverage for short-circuiting.The policy will also cover the temporary resettlement costs by paying for the transport and packing costs.
Loss or damage to the rare works of art and paintings stored or lying in a damaged house will also be indemnified by the policy.