HOME INSURANCE

    Protech Your Home - Go for home insurance. How many times have you heard of instances when people bought insurance only to find that it did not protect the one item they sought to cover? Home insurance is certainly not the first cover on most people's list, but nevertheless it acts as an important backup in case things go wrong. Like any other insurance, you will either know, or be informed of, the most important questions that you need to ask before you buy it. However, do not think twice before asking questions that may seem uncommon, or even stupid. The more questions you ask, the better you will understand the matter.

    To begin with, the one reason why you must not take the seller's word on face value is, because your coverage may not be as thick as you think. Say, if the common water tank of your apartment leaks. It is safe to assume that you are covered, right? Maybe not. You have suffered loss due to negligence of your tenant. Are you covered? May be yes. While you must get down to the nuts and bolts of your policy to understand what it actually promises, it is important to understand the basic elements of your policy. A typical householder policy consists of around 10 sections under which it covers various risks ranging from fire and allied perils, earthquake, floods to loss of baggage. Generally, fire and allied section is compulsory while you have the option to choose from other sections. The more you choose the more comprehensive the cover becomes. Consider this: the theft by your maid will not be covered unless you opt for a section called 'housebreaking including larceny and theft'. It is, therefore, possible that despite having a policy your insurer still denies you cover.

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