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Bharti AXA SmartPlan HouseHolder’s Package Policy – Home Insurance

Bharti AXA SmartPlan HouseHolder’s Package is a perfect solution to secure your house from numerous perils that looms over us in these unprecedented times. This home insurance is especially designed for the people whose houses are located in extreme weather conditions and geographies but it serves others as well since it comes with a wide array of coverage. It covers home contents against damages occurring from the following:

  • Fire and Allied Perils including natural calamities and earthquake
  • Burglary
  • Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornado, flood, inundation
    • And that’s not it, this home insurance policy also provided personal accident cover.

    Home insurance plans are essentially designed to offer you financial cover. This home insurance coverage is generally used to deal with the after-effects of any of the above mentioned natural disasters. With the home insurance policy, you can easily protect your belongings, home furniture, and your physical home from any damages. For example, you can claim the home insurance policy coverage to fix your house in case it has damaged due to any of the natural calamities. However, before you claim for this building/property insurance, check if your claim is included in your plan.

    What are the salient features of Home Insurance Policy?

    Some of the salient features of home insurances offered in India are:
  • Home Insurance offers coverage to your possessions along with protecting the structure of your home.
  • Many home insurance policy offers also provide cover against identity theft, today.
  • As a policyholder, you can avail for exclusive access to specialized services including surveyors, legal advisors, safe installers, and furniture restorers, in case of any emergency.
  • Many insurers have designed their home insurance plans to offer you benefits such as 24-hour claims hotline, immediate access to insurance experts, and a round-the-clock and quick customer service.

    • Benefits of Home/Property Insurance Policy

    Buying a house call for your lifetime savings and indeed is a very precious asset. In return, it also provides a sense of protection and security. Taking into consideration the recent environmental changes and vandalism, your home can be shattered in a moment with advent of any natural calamity or man-made factors.

    Some of the benefits of home insurance policy are:
    • Home insurance policy comes with low premiums.
    • As compared to other insurances, home insurance policy are affordable.
    • It helps you during financial crisis.
    • Home insurance policy offers a sense of protection and security.
    • It offers to help you repair your home damages caused due to natural calamities.

    Why Should You Buy A Home Insurance Policy?

    Buying a house will always be one of your largest investment. Thus, having a home insurance policy is crucial as it helps you protect your home in various ways.

    Some of the reasons why you should buy a home insurance plan are:
    • Home insurance coverage also insurance your belongings
    • It helps you repair your home damages caused by natural disasters
    • As compared to other coverages, home insurance plans are less expensive
    • House insurance policy also offers you protection from any property-related lawsuits

    Types of Home Insurance Policies

    Some of the types of house/property insurance policies in India are:

    • Standard Fire and Special Perils Policy
    • Public Liability Coverage
    • Burglary & Theft
    • Tenants’ Insurance
    • Landlords' insurance
    • Home Structure/Building Insurance

    Each of these house insurance policies are designed to protect your home/property and offer you financial support to take care of your home.

    Tips for choosing a Home Insurance in India?

    Although buying home insurance coverage is a great way to protect your home, there are some tips to keep in mind while purchasing one. We’ve listed down some of them here:

    • Understand the offerings of your home insurance policy
    • Assess your needs before your zero down on one policy
    • Research of other home insurance plans to know what are they offering and how much are they quoting
    • Study the financial strength of your insurer, this will give you an idea whether this policy will be beneficial to you in the time of your need.
    • Check and understand the claim history of your insurer
    • Choose the required additional riders