What Is Home Insurance- Protection and Exclusions – Amrit Adrino
Connect with us


What Is Home Insurance- Protection and Exclusions



What Is Home Insurance?

Insurance for homes will cover the expenses and damages to your home or any insured property. It’s a kind of property insurance and is one of the various kinds of general insurance policies.

The Home Insurance Policy – Protection and Exclusions

Home insurance can also be referred to as homeowner’s insurance. It safeguards your bungalow/apartment/rented flat/owned house/built home against potential risks. It will cover the cost of damage caused by any unlucky circumstance. Home insurance may be claimed for damages resulting from the following reasons:

  • Natural catastrophes such as hailstorms, windstorms, or lightning
  • Man-made causes of problems such as riots vandalism, theft, or property damage caused by civil disturbances
  • The damage is caused by road or rail construction
  • The collision of an airplane or any other vehicle (not you own)
  • Smoke or explosives

The coverage offered in conjunction with Home Insurance Policy

The insurance policy for homeowners will cover a variety of damages. For instance, damaged electric wires or lines as well as water pipelines or structural damage. It also provides coverage for broken windows/doors/floors/walls. In addition to the home, it also for loss and damage to the contents of the home. It can be divided into four different types of charges on the property insured, in the following manner:

  • Interior damage costs
  • Exterior damage expenses
  • Damage to personal belongings or assets from a residence
  • Insurance for injuries to physical that might occur on the property damaged

Home insurance policies can differ in the amount of protection they provide based on specific elements. The coverage varies based on the type of house (rented/owned) and the size of the house. Other factors such as age, location where you live, the value of replacement, and the location, as well as the price of the belongings also play a role. The history of your claim or the crime rate in the region may also play a role. It is also dependent on the type of insurance you select. It’s up to you to decide the amount of the premium and deductible you’re willing to pay. A deductible is what that you must pay prior to making the claim if the premium amount is less than of. When the deductible is higher then the premium is lower and vice versa.


Home insurance can cover human-made and natural causes however, there are some accidents that are left unaddressed. For instance, there’s no coverage for intentional damage or damages caused by negligence or war or ‘Acts by God’. These are considered exclusions. Here are a few below:

    • “Acts of God consist of any natural disasters such as earthquakes, tsunamis, floods. They are not covered in home insurance policies. Some insurance companies may offer additional insurance coverages for these catastrophes in certain situations or tailored policies.
    • The damage is caused by the lack of or no maintenance, and carelessness of the property
    • No insurance coverage for damages caused by termites rodents, rodents and birds. molds, rot
    • While there is protection from smoke and fire in certain circumstances but it’s not enough to cover the smoke from agricultural or industrial operations
    • If damage is caused by a member of the home’s household intentionally or in error. For instance collisions with your car will not be covered by an insurance policy for home owners.
    • Any destruction of property in accordance with Ordinance of Law or court’s or court’s
    • Damage resulting from nuclear dangers or war within the country


Buy Or Renew Car Insurance [Second Hand, Old & Expired]



car insurance booking
Continue Reading


Important Things To Know About Car Insurance in India



What are the reasons why Car Insurance is required in India?

However, when it comes to simple things, like car insurance, most people prefer to forget or not think about it, unless there’s an immediate consequence of not having it.

But it is true that a majority of the time these guidelines are designed to ensure the security of people such as us and you.

Let’s consider for instance; what would happen if Third-Party Car Insurance was not required under the law. In this situation, the majority of people would not even have it and, in the event there was an accident both parties would be drowning in nonsense arguments, and then huge amounts of money!

So, even though the main goal of insurance policy is to safeguard the person who is affected by an accident or mishap There is many reasons why the insurance of a car is now mandatory in India.

  • Numerous Road Accidents Road accidents are quite frequent throughout India which is one of the primary motives behind why the Motor Vehicle Act has made car insurance mandatory is due to this. In 2017 there more than 1200 injuries that were reported daily because of road accidents! Car insurance will ensure that no one is forced to shoulder the financial burden in the event of a crash.
  • Secures the Third-Party: If you happen to bump into someone’s car or a car crashes into your vehicle, having an insurance for cars belonging to third parties in place will guarantee that the third party affected is compensated any car damage or personal damage.
  • Helps with Legal Procedures In the event of an accident, it is not just the accident that occurs, it is more than just the damage, it’s the legal procedure that consumes the time and energy of those involved. But, if you have an insurance for your vehicle that is valid legal procedures are also handled.


What are the reasons why purchasing a Car Insurance online makes sense?

Have you ever paid the electricity bill through your central location or, when was the last time that you visited your Kirana shop to complete your mobile recharge? It’s been awhile, hasn’t it?

Due to the internet’s power, the majority of us make use of the internet to do the majority of our tasks completed. Pay your bills, recharge and even place orders for groceries! Technology has developed to the point where we no longer need to go to insurance companies or call our dealers to purchase insurance for our cars anymore.

Now you can buy your insurance policy online. All you need are the car’s basic information and a debit or credit card to pay for your insurance premium. Once you’ve done that Your car insurance policy will be sent to you within a matter of minutes.

    • The convenience of purchasing car insurance online can help you save a lot of time. There is no need to spend your time waiting around or calling anyone to get the job completed. You can complete the task from your couch with your laptop in hand and just five minutes left.
    • The purchase of a car insurance online allows you to modify your insurance policy for your car. Additionally, it is possible to do this with Digit’s Car Insurance; you can also modify the car’s IDV by yourself.
    • The purchase of car insurance is much more sensible since the process of purchasing one is transparent because you’re purchasing it yourself instead of relying upon a third-party person to take care of the job for you.
    • The most appealing aspect of purchasing an insurance policy for your car on the internet is there is no need for paperwork!
Continue Reading


Why Should You Renew Your Car Policy With Digit?



Over the years, the way we get our vehicle insurance has changed. Digit analyzed the whole car insurance process and found a way to make it more intuitive, seamless and hassle-free. If you are looking to renew your car policy but aren’t sure, then this post is for you.
Digit understands the challenges you go through, the complex jargon and non-transparent pricing. You can now decrease the number of steps you take to renew and buy your car policy.

Why should you pick Digit to handle Your Car Insurance Renewal?

It doesn’t matter if the previous car insurance policy has been with us before or after, selecting Digit to renew your Car Insurance renewal is simple and easy to do and can be done in few minutes on the internet.

Do you want to renew your car insurance by us the very first time? Here are some benefits you can be looking forward to:

  • Claims that are quickThe main reason for everyone of purchasing a car insurance policy is to claim quickly in times of need. With our procedures, everything from filing claims to assessing the car damages is done online.
  • Cashless repairs to cars It’s not something you’d like to do in the event in the event of an incident is pay unnecessary money from your wallet. This is why we provide the option of repair with cash which allows you to visit one of our garages to get your repairs made without having to pay any additional cost.
  • A Large Network of Garages– Cashless service is available exclusively in our garages that are part of our network, but fortunate for us we have over 5800 garages located across the nation which you can pick from.
  • Doorstep Pickup and Drop When the necessity arises, for example the car isn’t repaired by the time it is We offer pick-up and drop services so that you don’t need to fret about logistics.
  • 24/7 Support So, regardless of what the time or day we’ll have your support.
  • Modify your insurance Do not be fooled by anyone who claims to offer low rates and even lower IDVs, which can immediately affect the amount of money you’re likely to receive in claims. This is the reason why at Digit we are a firm believer in transparency and let you customize your IDV according to the requirements.


How do I purchase/renew a Car Insurance Policy with Digit?

    • 1. Complete your Vehicle’s Model, Make and Variant. Also, the Registration Date and the city in which you travel. Select ‘Get Quote’ and select the plan.
    • 2. Select between a Third-Party Liability only or Standard Pack (Comprehensive insurance).
    • 3: Provide us with information regarding your prior insurance policy – Date of expiry, the date of your claim in the past year, and no Claims Bonuses earned.
    • 4: You will receive a the price on your preferred. If you’ve chosen the Standard Plan you can customize the plan further by choosing add-ons including setting the IDV, and verifying if you own CNG-powered car. The final cost in the following page.
    • 5: Pay your bill then your insurance will be emailed to you electronically!
Continue Reading