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  • What does Home Content Insurance Cover?

    Home content insurance is a novel concept in India and doesn’t make sense to most. It is simply seen as an added expense as one is already paying a hefty sum as premium for home insurance. Not every plan is made equal and not all for everyone. Homeowners can buy basic covers, or they may choose to get comprehensive or premium coverage including home content insurance.

    Home content insurance mainly covers the following:

    1. Apparels: You will be compensated of your clothes, curtains and others get damaged in fire or such mishap.
    2. Electronic items: In the event of fire, robbery, or other hazards like floods, expensive belongings like television, laptop, AC, fridge etc. might be ruined. It will be duly replaced or compensated.
    3. Jewelry: If you request for it, your policy will also cover your gold ornaments and others of precious metals/ stones.
    4. Furniture: If your furniture gets stolen or damaged due to no fault of yours, it will be replaced.
    5. Utensils and crockery: Same goes for kitchenware, utensils and other essentials.
    6. Rare collections: Do you have a collection of rare stamps, chinaware, paintings or suchlike? Though these could be irreplaceable to the owner, it will be covered if you pay additional premium.
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