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Experts recommend reviewing regular policies regularly to ensure adequate coverage against these risks.
Insurance policies required for disaster security
SBI General Insurance’s Chief Products and Marketing Officer Subramaniam Brahmjosula said, “To protect against damage from natural disasters, fire insurance is necessary for both residential and commercial assets.”
“It covers disasters such as floods, landslides and storms, which fall under the work of God (AOG) periels. Individuals should also ensure that their health and motor insurance are up -to -date.”
Home insurance policies often include coverage for natural disasters, but policyholders should check out exclusion and coverage limits.
Here is a list of all insurance companies offering home insurance in India with coverage and benefits:
| insurance policy | Coverage |
|---|---|
| Bajaj Allianz Home Insurance | – Fire and Allied Perils – Documents of Documents – Home Burglery – In -Tranjit Loss or Huzzing of Home Goods Damage – Personal Accident Cover – Loss of Rent – Covered for Pnounced Pets – Coverage for Pets – Optional Housing Expenditure – Loss of goods – Third – Side and employee liabilities |
| Bharti AcSa Home Insurance | – Fire and Allied Perils – Documents of Documents – Home Burglery – In -Tranjit Loss or Huzzing of Home Goods Damage – Personal Accident Cover – Loss of Rent – Covered for Pnounced Pets – Coverage for Pets – Optional Housing Expenditure – Loss of goods – Third – Side and employee liabilities |
| Cholmandalam home insurance | – Fire and Allied Perils – All -Risk Cover for Jewelry – Stolen and Housebracking – Breaking of House Equipment and Home Utility – Damage/Damage to Personal goods – Fixed Plate Glass Damage – Personal Accident Cover – Temporary/Total Permanent Transfer – Coverage Pets for Pet – Horticulture Cover – Education Benefits – Employee Benefits |
| Future General Home Insurance | – Fire and Allied Perils – Jewelry/Precious goods Safety – Stolen/Housebreaking/Stolen – Breakable Computer – Safety of Domestic Electrical/Mechanical Appliances – Security of Electronic Equipment – Security of Electronic Equipment Increased – Increased Protection Cover – Public Liability – Veterinary Cost – Home Loan EMI |
| National insurance home policy | – Fire and affiliated periels – jewelry/precious accessories – theft – plate glass – TV set – breakdown of home appliances – pedal cycle – personal accident cover – luggage loss |
(Source: Policybazaar)
Motor insurance can also protect against damage caused by excessive weather conditions.
How to choose the right coverage
The selection of correct insurance depends on the location-based risks.
“If you live in an area suffering from floods or earthquakes, prioritize insurance that provides adequate protection for your home, vehicle and personal welfare,” Brahmajosula advised.
“Regular policy reviews with insurers and consultation help to ensure that coverage is align with risks that develop.”
Many policies provide add-on to increase security.
For example, flood insurance can be included in home insurance, and can cover the damage related to the broader motor insurance season.
Financial preparations suggestions for individuals and businesses
Proper financial plans can reduce the effects of natural disasters.
Brahmajosula suggested, “Safe insurance that covers your home, motor and health corresponds to regional risks.”
For businesses, he emphasized the need for comprehensive property insurance, including commercial obstruction coverage.
He said, “Maintain a list of assets, review the document of preventive measures, and insured and policy exclusion,” he said.
It is also important to have an emergency fund.
He advised, “Set different money for unexpected expenses, report immediate damage, and follow the claim procedures for quick settlements,” he advised.
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