Sum Insured – It is most important factor to be considered while buying Home Insurance. One should be adequately insured in order to get complete protection.
• Sum insured should include the total cost of the assets at home and for building – it should add all the structure including fixtures and fittings, plinth and foundations etc.
• Coverage – You should buy basic covers like Fire & allied perils including Flood, Earthquake , Burglary & Theft.
• Check for compulsory deductible applicable in the insurance policy
• Read & Understand the policy exclusion, terms & conditions.
• Provide proper address of the property which need to be covered.
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