1. Home Insurance
Home insurance ya homeowners insurance ek aisi policy hai jo aapke ghar aur uske saaman ko nuksan se bachati hai. Ye aapko legal protection bhi deti hai agar koi aapke ghar par chot kha jaaye.
2. Home Insurance Mein Kya Kya Cover Hota Hai?
- Dwelling Coverage (Ghar ki Suraksha)
- Agar aapka ghar aag, toofan, ya vandalism se nuksan hota hai, toh repair ya rebuild karne ka kharcha cover hota hai.
- Personal Property (Saaman ki Suraksha)
- Aapke furniture, electronics, kapde, aur anya cheezon ki chori ya damage ke kharch ko cover karta hai.
- Liability Protection (Zimmedari Suraksha)
- Agar koi aapke ghar par chot khata hai ya aapke wajah se damage hota hai, toh legal aur medical kharch cover hota hai.
- Additional Living Expenses (Temporary Rehousing)
- Agar ghar rehne layak nahi raha, toh temporary housing ka kharcha cover hota hai.
3. Home Insurance Mein Kya Usually Cover Nahi Hota
- Flood (baarish ya nadi ke paani) ka nuksan – alag flood insurance chahiye.
- Earthquake (bhukamp) ka nuksan – alag earthquake policy chahiye.
- Normal wear and tear ya maintenance ke kharche.
4. Home Insurance Khareedte Waqt Dhyan Deney Wali Baatein
- Multiple Insurers Compare Karein – best price aur coverage dekhne ke liye.
- Coverage Limits Check Karein – ensure karein ki policy aapke ghar ki rebuilding cost cover kare.
- Discounts Ki Jaankari Le – security system, smoke detector, ya bundled policies par discounts mil sakte hain.
- Policy Yearly Review Karein – ghar aur belongings ke value ke hisaab se update karein.
