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Home Insurance

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Home Insurance Advantage

Comprehensive Coverage
Coverage against 12 risks under Standard Fire and Special Perils policy including Flood, Lightning, and Riot cover.
Add-ons
Additional cover available such as Earthquake, Terrorism, Impact damage to insured's own vehicles.
Reinstatement value
Get reinstatement value for re-construction of the house after damage without depreciation being deducted.
Easy escalation
Possible to enhance the sum assured every year to account for inflation.

Why Claims Get Rejected?

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.

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.

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.

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.

PROPOSAL FORMS
CLAIM FORMS
POLICY WORDINGS
NETWORK HOSPITAL LIST

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 policy 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 house 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 policy. 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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