A home insurance policy protects your house and its contents (such as furniture, jewellery, valuables, and household appliances) against damage or loss from fire, burglary, accidents and mechanical or electrical breakdown. A home insurance policy has several benefits, including :

• Protection from legal and financial liabilities in case you accidentally damage the property
• Personal accident cover and the coverage of medical expenses of any guest or family members injured at your property
• Protection against natural calamities like storms, floods, and earthquakes and man-made perils such as riots, malicious damage and terrorism
• Optional coverage benefits include pet insurance, cost of shifting and temporary resettlement cover and cover for portable electronics

Understanding what each home insurance policy covers and knowing how to compare it against other policies makes all the difference in the world. Firstly, draw up a list of insurance companies and do your research on their its ratings, policies, credentials and online reputation. Next, make home insurance policy comparisons and watch out for -

• The sum assured for the house/apartment structure and its contents
• Whether the policy covers damages to your property, the surrounding structures and your personal belongings
• Claim settlement track record of the insurance company
• Online renewal process
• Round the clock support and excellent customer service

Home insurance is an investment to protect your home and belongings. With Insure Efficient, effortlessly compare different home insurance policies online, evaluate their pros and cons and get unbiased expert advice to choose the right policy for your needs.