வீட்டுக் காப்பீட்டு கவரேஜ்: 2026-க்கான புதுப்பிக்கப்பட்ட வழிகாட்டி

There is no place like one's own home. Isn't it true? Home is where one turns to for comfort, to spend time with their family and loved ones, and quite often, buying a home is one of the most important decisions one makes in a lifetime.

Therefore, it is only right to take good care of an investment that is so precious and protect it against any damage, and at the same time protect oneself from the financial costs that may be incurred due to any kind of damage to it. This is where home insurance comes into the picture.

வீட்டு காப்பீடு என்றால் என்ன?

Home insurance is a financial protection plan that provides coverage for damage to your house and belongings. Just like health insurance provides financial coverage for ill-health, home insurance covers you against the financial impacts of damage to your home or the contents within.

Different home insurance plans provide varied levels of protection, enabling homeowners to select coverage that aligns with their needs and budgetary preferences. For increased home repair and reconstruction costs, borrowers nowadays prefer choosing home insurance while applying for a home loan.

மேலும் படிக்க: Benefits of Buying Home Insurance Online in India

What is Covered Under a Home Insurance Policy?

Home insurance applies to all homeowners, tenants, and landlords. The key inclusions are:

1. Content Cover: This policy covers the electronic items, loss/damage caused to your furniture, clothing items and personal belongings, along with other insured products.

2. Portable Equipment Cover: Any loss or damage to portable equipment is covered under this policy. You can extend this cover outside India by paying an additional premium amount.

3. Jewellery and Valuables Cover: Covers any loss or damage to jewellery and valuables in India. This can be further extended globally with additional premium payments.

4. Art Works and Paintings Cover: This policy covers any accidental loss and damage to artworks and paintings that exist. The items valuation is verified by a government-approved valuer.

5. Burglary Cover: This includes protecting your home against loss from theft and burglary.

6. Building Cover: A home insurance covers any damage to the building (whether an apartment or standalone building). This building cover also covers you for the purchase of food, clothing, medicines and daily essentials on an emergency basis worth up to ₹20,000.

மேலும் படிக்க: What is Homeowners Insurance? Who Needs One?

How is the Coverage Determined for Home Insurance Plans?

The coverage of home insurance plans is based on two parameters — the value of the building and the value of the contents. Both values together determine the total value of your property, and accordingly, the sum insured must be purchased. Underinsuring your home may lead to a financial loss in case of damage.

*நிலையான விதிமுறைகள் மற்றும் நிபந்தனைகள் பொருந்தும்.

To decide on how the coverage impacts your premium amount, you can make use of a home insurance calculator. This is a nifty tool that can be used to select adequate coverage and the right policy features.  

காப்பீடு என்பது தேவையின் பொருள். நன்மைகள், விலக்குகள், வரம்புகள், விதிமுறைகள் மற்றும் நிபந்தனைகள் பற்றிய மேலும் விவரங்களுக்கு, விற்பனையை முடிப்பதற்கு முன்னர் விற்பனை சிற்றேடு/பாலிசி விதிமுறைகளை கவனமாக படிக்கவும்.

What is the Importance of Choosing a Home Insurance?

Have you ever wondered how to manage financial burden if your home or valuable belongings are damaged unexpectedly? For this, choosing home insurance is essential. Know the importance below:

Safety Against Disaster and Financial Stress

Home Insurance coverage helps reduce the financial burden due to fire, flood, storm or earthquake. Even if there is a natural disaster, repairing structural damage costs lakhs of rupees, not covered by the insurance.

Safety of Personal Belongings

A home insurance policy also safeguards belongings like appliances, electronics, furniture, jewellery, and other valuables in case of accidental damage or theft.

Liability and Protection of Medical Expenses

There are home insurance plans offering liability coverage if you are injured on your property and need medical treatment.

மன அமைதி

Choosing an appropriate home insurance policy provides homeowners with peace of mind and financial stability during unexpected conditions.

Things to Consider Before Buying Home Insurance Coverage

Here are the things you must consider before buying a home insurance coverage:

Understand the Options of Coverage

Home insurance policies vary in terms of protection for natural disasters, fire, theft and contents. Read the fine print to determine coverage and limitations before buying a policy.

Choose Correct Sum Insured

Choose an adequate sum insured, aligning the costs of reconstruction of your house and other belongings to prevent underinsurance during a claim.

Assess Your Individual Needs

The type of home insurance policy you need depends on your lifestyle, your home and where you live. For example, in flood-prone areas, additional protection is necessary.

Consider the Deductible

A higher deductible will result in reduced premiums, but will also increase out-of-pocket expenses in the event of a claim. Select a payment you can afford.

Check the Claim Settlement Ratio of Insurance Company

The claim settlement ratio showcases the reliability of an insurer in settling claims. According to The Economic Times, many insurers have reported claim settlement ratios above 95% during FY 2024-25, reflecting efficient claim processing.

Terms and Conditions of Policy

Make sure to read and comprehend the terms of the policy, including exclusions, waiting periods, and claims and renewals.

பிரீமியம் தொகை

Research premium costs from different insurers, taking into account the coverage benefits and the affordability.

ஆட்-ஆன்கள் மற்றும் ரைடர்கள்

Other cover options like protection for jewellery, electronic appliances or temporary accommodation may improve the benefits you receive from home insurance.

மேலும் படிக்க: உங்கள் வீடு மற்றும் அதன் உள்ளடக்கங்களை பாதுகாப்பதற்கான குறிப்புகள்

Still worrying about protecting your home and valuable belongings?

Choose the Bharat Griha Raksha Home Insurance Policy from Bajaj General Insurance and avail financial protection against natural disasters, fire, theft and also damage to household contents. Go through the features, coverage and add-ons to safeguard your home and avail a peace of mind.

முடிவுரை

Selecting the right type of home insurance plan is essential to safeguard the house and funds against unanticipated risks. If you have a valuable home insurance coverage plan, you will be able to cover repair expenses, save precious assets and maintain peace of mind during emergencies.

Before finalising a policy, have a look at the options, premiums, claim settlement ratio and add-on features. In today's world of increasingly expensive property and repair, it is essential to opt for secure home insurance for every homeowner.

அடிக்கடி கேட்கப்படும் கேள்விகள்

Is it mandatory to choose home insurance in India?

It is not legally mandatory to choose home insurance in India. But, for a home loan application, many banks and financial institutions ask the homeowners for insurance, in case the house suffers from any unforeseen damage.

How is the premium amount for home insurance calculated?

The premium of home insurance depends on various factors like home location, construction, age of the home, sum insured, security features and add-on covers. The premium amount will typically be higher with greater coverage and including riders.

Are tenants also eligible to buy home insurance?

Absolutely, you can purchase house insurance policies to cover individual property within a rented house. These policies typically include loss, damage and theft of items like electronic goods, furniture, jewellery and appliances.

பொறுப்புத்துறப்பு: இந்த பக்கத்தில் உள்ள உள்ளடக்கம் பொதுவானது மற்றும் தகவல் மற்றும் விளக்க நோக்கங்களுக்காக மட்டுமே பகிரப்படுகிறது. இது இணையத்தில் உள்ள பல இரண்டாம் நிலை ஆதாரங்களை அடிப்படையாகக் கொண்டது மற்றும் மாற்றங்களுக்கு உட்பட்டது. எந்தவொரு தொடர்புடைய முடிவுகளையும் எடுப்பதற்கு முன்னர் ஒரு நிபுணரை கலந்தாலோசிக்கவும்.

காப்பீடு என்பது தேவையின் பொருள். நன்மைகள், விலக்குகள், வரம்புகள், விதிமுறைகள் மற்றும் நிபந்தனைகள் பற்றிய மேலும் விவரங்களுக்கு, விற்பனையை முடிப்பதற்கு முன்னர் விற்பனை சிற்றேடு/பாலிசி விதிமுறைகளை கவனமாக படிக்கவும்.