Our homes mean more than just four walls and a place to eat and sleep. It is where we develop valuable relationships and make cherishable memories in every corner. A home is a safest and most comfortable haven that renders a cosy warm feeling and utmost happiness. But an unpredictable incident can take away everything from you. Disasters like burglary, fire, floods, earthquakes, storms, etc., can occur anytime. So, to secure your home and its belongings and prevent lives from getting destroyed, you need comprehensive home insurance.
Home insurance will not leave you helpless, broke, or homeless, as it will compensate you for the losses you have gone through in the unfortunate incidents. Thus, Heute & Morgan brings a wide array of home insurance plans to ensure that you always have a roof over your head no matter what. Also, we will offer complete coverage and support for your financial losses when life smashes you unpredictably hard. So, with our home insurance plans, you can stay independent and well-prepared for unforeseeable disasters so that you, along with your loved ones, can lead a comfortable and stress-free life.
Numerous elements make a rented house your home. Hence, every furnishing deserves the utmost protection. Thus, H&M helps you protect your leased residence, along with your treasured possessions that make it a “Home.” So, avail yourself of our Home Insurance for Tenants plan and live in peace as we are always there to take care of your rented home and its goods.
Buying a house is a dream for almost everyone. But many people fail to understand that after making their dream come true, they need to keep it secure. Thus, with H&M’s Home Insurance for Owners plan, we offer essential coverage to safeguard your own home and other valuable belongings, helping you lead a happy and peaceful life.
A sudden fire outbreak can destroy your dream home. Hence, H&M offers you optimum coverage for all damages caused to your home due to fire and help you renovate or rebuild it.
Burglars running away with precious jewellery or valuables from home is not uncommon. Thus, our home insurance plan will get you covered against such incidents and let you take a peaceful nap.
Can you imagine your life without home appliances? No, right! Then, secure them today and get covered against electrical breakdowns.
Be it nature’s fury or manmade troubles; both can be detrimental to your home or prized possessions. So, H&M’s home insurance policy financially secures your assets against cyclones, floods, riots, strikes, malicious acts, and terrorism.
Did you recently install sanitary fittings and fixtures at your home? Then, get them financially covered against accidental damages with our home insurance plans.
When your home becomes unsuitable or unfit for residing due to any covered reason of loss, our home insurance plans will cover your expenses for hotel/alternative accommodation rents, shifting, brokerage, and emergency purposes.
Here are some significant perks of purchasing a home insurance plan from Heute & Morgan.
Our home insurance plans will protect the structure of your home from all damages caused by natural calamities. Thus, if your home undergoes accidental damage due to an earthquake, flood, or any other uncertain factors, H&M is here to cover the expenses for repair or renovation. Also, we go beyond and protect your furniture, electronics, and jewellery at extra premiums.
Certainly, your home is your biggest investment. H&M understands this and offers premiums at budget-friendly prices. Besides, we can also help you extend the coverage for protecting your home essentials like portable electronics, jewellery pieces, and furnishings at low-cost additional premiums.
Every year, due to floods, cyclones, and earthquake tremors, an uncountable number of properties gets damaged and face massive loss. Besides, the cost of re-development and repair is high enough to wash away your lifelong savings. So, this is when our home insurance plans come to your rescue to cover all financial losses for your home and its belonging.
The various expensive possessions in your home can get robbed at any time, leading to a heavy financial loss. So, whether you live in a rented apartment or your own home, your belongings need to be insured. Hence, H&M’s home insurance plan offers you enhanced coverage from unfortunate burglary or theft incidents for your home contents.
Do you know most people refrain from buying home insurance? Well, that’s because they think, what if their insurance goes to waste. Thus, our home insurance plans come with the flexibility of selecting your desired tenure. Typically, the tenure for our varied home insurance plans ranges from 1 year up to 5 years.
Our priority is customer satisfaction. Hence, we always strive to offer the best customer support to you in your hard times. In addition, we try to reduce the claim processing time and facilitate quick and hassle-free online claim settlements to render you an enhanced user experience.
We calculate premiums based on the current value of your property. Hence, the higher the sum insured or assured coverage, the higher will be the premium amount, and vice versa. However, the value of your sum insured depends on your home’s prevailing property rate.
The place where you stay counts. For instance, if you reside in an area having higher flood risks, you need to pay higher premiums. So, while deciding the premium, your home’s location plays a significant role.
Does your home include a wide array of expensive electronic gadgets and furniture pieces? If yes, then your premiums will be higher. Also, if you want to get your valuables covered, you can pay an extra premium amount.
If your home is equipped with top-notch security and safety equipment, the value of your premium will be relatively lower. But otherwise, you will have to pay a higher premium for your insurance plan.
Deductibles refer to compulsory amounts that you need to pay while raising a claim. So, if deductibles are included in your home insurance plan, your deductible percentage will determine the premium amount. The lower the deductibles, the higher the premium will be, and vice versa.
Are you a salaried person? Then, you are most likely to get premium discounts while purchasing our home insurance policy online. So, the premium amount depends on what you do and how you buy our insurance.
A wide range of insurance companies in the market claim to offer India's best home insurance policy. But which one is truly the best? Well, the best home insurance plan must consist of the following:
