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Product ADVANTAGE

  • Comprehensive Coverage

    Comprehensive Coverage

    Coverage against 12 risks under Standard Fire and Special Perils policy including Flood, Lightning, and Riot cover.

  • Additional Add ons

    Add-ons

    Additional cover available such as Earthquake, Terrorism, Impact damage to insured’s own vehicles.

  • Easy Upgradation

    Reinstatement value

    Get reinstatement value for re-construction of the house after damage without depreciation being deducted.

  • Sum assured Basis

    Easy escalation

    Possible to enhance the sum assured every year to account for inflation.

Why Claims get rejected?

Coverage against financial losses

Short-Circuit

Damage to electrical and electronic equipment due to internal short-circuit is not covered. However, fire damage to other property outside that equipment is covered.

Key Exclusions

Wrong Risk Classification

Every occupancy is uniquely rated by insurers. Wrong classification can lead to repudiation. For example, if landlord does not disclose the occupancy of the tenant and policy gets wrongly rated, claims could be rejected.

Checklist

Incomplete Address

Often incomplete or wrong address leads to claim dispute. For example, if insured fails to mention presence of basement, insured may deny claim arising in basement or may even allege non-disclosure of full risk.

Key Exclusions

Warranties

This is the expected behaviour or precautions to be taken care by the insured. Examples of warranties include presence of fire extinguishing appliances, presence of AMC in case of electronic equipment.

  • Claim Intimation

    Insured should inform the insurer immediately on discovery of loss. Insured should only undertake loss minimization expenses and not repair affected items before an inspection by an insurer appointed surveyor.

  • Complementary Covers

    Possible to take additional comprehensive covers specific to movable assets such as Jewelry, and Electronic Equipment.

  • Exclusions

    Loss or Damage to insured property caused by war or war like operations, willful act or negligence of the insured, gradual damage e.g., seepage.

Why Securenow

  • DEEP PRODUCT KNOWLEDGE

    We have specialized underwriters and tie-ups with international experts.

  • COST-EFFECTIVE INSURANCE

    We work with all insurers to get you the best options- both in terms of price and features.
     

  • QUICK TURNAROUND

    Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

  • STRONG CLAIM SUPPORT

    We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

  • VALUE ADDED SERVICES

    We will advice you on risk management best practices.

  • POLICY ADMINISTRATION SYSTEM (PAM)

    See all your contracts renewal information in one place. Place service requests on PAM.

Downloads

  • proposal form

  • Claim forms

  • Policy wordings

FAQs

  • Home, house or dwelling is a prized possession. Rising incidence of natural or man-made calamities protect against sudden erosion of wealth. Assets in high risk zones for natural calamities such as flood, earthquake, cyclone, storm etc. are especially vulnerable.
    Yes, home insurance can be bought online. Leave an enquiry and we’ll send you multiple options comparing different plans offered by home insurance companies.
    In such a case inform your insurer to cancel the policy and the remaining balance of the insurance policy shall be paid to the policy holder. The new home owners will be required to take a new policy.
  • Location of the house, type of construction, claim history, and use of safety devices in the house influence premium for home insurance.
    Yes both homeowners and tenants can take home insurance. However tenants can only insure the contents owned by him such as jewelry, appliances, and furniture. Homeowners can take cover for the structure of the house.
    Yes, it is possible to take extension for rent for alternative accommodation. In case of a covered peril, insurer will allow rent for an alternative accommodation for a reasonable period for reconstructing the house.

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