There are several insurance covers people buy for various possessions. A car, mobile phones, and laptops are readily insured to prevent loss due to accidents and theft. We insure for accidents which are common, forgetting the ones which can cause substantial losses.
The homes we built are sometimes insured by banks and other times by societies we live in. The interiors including fixed furniture, wardrobes, kitchen, and contents like TVs, washing machines, music systems, dishwashers, jewelry are mostly left unprotected at the mercy of the unknown.
The reasons are plentiful, starting from lack of belief that there is a risk to assuming that householders insurance will cost a lot. Surprisingly, for most households, insuring the house may cost a fraction of the premiums paid for their car. Is it not ironic that we insure a relatively low-value car and leave the house we live in without property protection? It's time you called or mailed us to find out how to get home insurance in India for your house and its contents.
Most of the time, households do not retain bills of purchases, making it difficult to establish ownership of the assets at the time of a claim. We can assist you in ensuring that the insurer accepts the ownership declaration on record as a basis for extending householders insurance for your home.
Our documentation assistance includes:
With Edify's expertise, you can overcome documentation challenges that often prevent proper property protection or lead to claim denials after loss events occur.
Most people do not know that the jewelry you wear and use regularly can also be included in your fire and theft insurance. The cover is not limited to jewelry; you can insure your mobile assets including expensive phones, cameras, iPads to protect against theft or breakage losses.
Valuable items coverage includes:
These high-value portable items require specialized coverage beyond standard home insurance in India, and our policies ensure they're protected both inside and outside your home.
While a fire cover will not pay for damage to appliances/switches caused by short circuit, it will pay for all damages caused by a resulting fire. While fire is not common, the premium to insure a crore of property also costs less than rupees five thousand per annum for comprehensive fire and theft insurance.
Our fire protection includes:
This essential protection safeguards your most significant investment against potentially catastrophic losses, providing both financial security and peace of mind for your family.
Households invest in art and antiques which may be expensive but lacking any damage protection. Depending on the uniqueness, artwork can be insured at a valuation one may seek from an insurer-recognized valuation expert to protect against various damages as part of your householders insurance.
Specialized art coverage includes:
These specialized protections ensure your artistic investments receive appropriate coverage that acknowledges their unique characteristics and value beyond standard household items.
A household would have building, interior work and woodwork, furniture and fixtures, glass, equipment for recreation, air conditioners and DG sets, mobile equipment, jewelry, or anything else. Everything which is of value can be insured under respective relevant policies, including natural disaster coverage.
Comprehensive protection can include:
Our householders insurance can be customized to your specific living situation, property type, and valuable possessions to ensure complete protection against a wide range of risks.
Less than ₹5,000 annually for ₹1 crore of property coverage.
Not the damaged appliance, but resulting fire damage is covered.
Yes, ownership declarations are acceptable with Edify’s assistance.
Yes, protection against floods, earthquakes and other disasters is included.
We provide complete documentation support and follow-up with insurers.
