GENERAL INSURANCE BLOG

One of the most expensive assets that an average earning Indian buys in his/her life is a house. A good part of our earnings is spent on buying and furnishing our dream home. Though we pay a lot of attention when purchasing and setting up our house, we often neglect to get it insured from the best home insurance company in India.

Due to a lack of awareness among buyers, many people don’t consider buying a home insurance policy to protect their homes against natural calamities. There is a misconception among insurance buyers that home insurance is costly. However, the fact is that home insurance against natural disasters in India is inexpensive. It is being offered by the best home insurance company in India at a price that doesn’t burn a hole in your pocket.

Why buy Home Insurance against natural calamities?

Despite knowing that home insurance against natural calamities is not as expensive as it is perceived, only 1% of people buy the insurance cover.

It is essential to buy home insurance against natural calamity because India is a disaster-prone country. Many regions are prone to experience earthquakes with severe intensity. Also, there are many areas, approximately 12% of India, which is likely to floods. The areas on the Indian coastline are prone to experiencing tsunamis.

The frequency of natural disasters in India has increased in the past few years. According to the World Bank’s estimate, approximately 600 districts in India are calamity-prone. This places a large number of people and their property at a higher risk.

It is thus essential for Indians to buy a home insurance policy against natural calamities from one of the best home insurance companies in India. Moreover, a home insurance policy covers not only the building of your home but also the components in it from damages.

Here is a detailed analysis of why you need to buy a home insurance policy.

It not only protects your home:

• A home insurance policy provides protection not only by covering your home but also the components within.
• You can easily opt for add-ons to protect various components of your house like furniture, valuables, electronics, etc.

Replacement of loss

• A home insurance plan not only provides financial safety but also provides for the replacement of the insured subjects.
• You can opt for replacement cost instead of depreciation value when buying a home insurance plan.
• The structure of the building and the various components are insured for their replacement cost.

Home Insurance is inexpensive

• Home insurance plans to protect your home against natural calamities are available at affordable premium costs.
• You can easily buy home insurance from the best home insurance company in India without pinching your pocket.

Protect yourself from lawsuits

• A comprehensive home insurance policy offers you the required peace of mind by protecting you from property-related lawsuits.
• Some insurance plans also cover the medical expenses of a guest who is injured on the premises of your residence.

It offers flexibility

• If you are willing to buy a home insurance plan to protect your property from natural calamities, you can choose between insuring the structure of your home or only it’s content. This offers flexibility in buying a home insurance plan.

Natural calamities cannot be controlled, but you can protect your home. If you still don’t have home insurance, buy one soon from the best home insurance company in India to protect your dream home.

Selecting the right furniture may be a tedious task for some people who need to be more informed about what to look for when buying furniture for their homes. How your home looks will be significantly impacted by the type of furniture you buy, so always consider its relevance and durability.

The heart belongs at home. It's a place where joy abounds, and priceless memories are etched on the walls. It's your happy place and is most likely one of your most important financial and emotional possessions. You should therefore safeguard it with reliable house insurance coverage. Also, when purchasing furniture, take into account the following things.

Factors to consider when buying furniture.

1. Colour scheme:
The colour of the particular furniture you wish to purchase is an important factor to consider. The colour of your furniture complements the furnishings and decorations in your home. No matter how lovely the furniture is designed, choose it only if the hue goes with your decor.

2. Budget:
Purchasing furniture does not require you to spend a fortune. Decide upon a budget that should allow you to explore the options available in the market. However, choosing the most affordable furniture from the market could result in receiving subpar furniture. Imagine purchasing furniture that costs more than your income and then figuring out how to live after spending everything. Find one that won't break the bank but still matches the colour, theme, and decor.

3. Size of your house:
Ideal furnishings must fit in your room comfortably. Imagine how constrained your movement will be in the living room if you purchase large sofa sets for your little space, such as seven-seaters, because neither you nor your family has enough space to move about freely. Therefore, consider the size of your room when choosing the furniture.

4. Longevity of furniture:
By purchasing furniture that will fit for use for a long time, you may save money by selecting sturdy options. Shopping from renowned dealers known for high-quality furniture will put you on the safe side. Doing this gives you a better chance of finding sustainable and economical furniture.

5. Maintenance:
Materials like plastic and wood are used to make various types of furniture. Nevertheless, hardwood furniture is excellent because it requires less upkeep and is easier to clean and repair. So, before purchasing any furniture that catches your interest, check the materials used to make it.

6. The ease of the furniture:
It doesn't make sense to purchase stylish furniture that is uncomfortable. For instance, buying a stylish chair prevents you from handling your job effectively, and hurting your back is not a good idea.
Additionally, experts advise choosing ergonomically designed furniture, making your house or business welcome and stunning while offering the utmost comfort.

Even if it might not seem so, buying furniture can be stress-free. If you follow the advice mentioned above, there will be no room for error. Decorate your home with the best quality furniture and make your personal space more attractive with creative ideas.

Along with beautification, it is also important to ensure the security of your home. House insurance India guarantees the safety of your house and your possessions. A little investigation and work can go a long way, as previously stated.

Click HERE to buy house insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The Indian winter calendar is always filled with various exciting events, including religious fairs, cultural festivals, and many other events. Many domestic and international tourists visit these events to participate in multiple activities and enjoy the rich cultural heritage. From boat races to rituals, elephants to drums, these winter festivals are packed with fun, entertainment, and local culture.

*Pro-tip
To make the most out of your trip, even in terms of safety, kindly get in touch with a general insurance company so that they can cover your trip against any uncertainties, cancellation of flights and damage to your luggage, etc.

1. Kochi Biennale:
The Kochi Biennale is an international exhibition of contemporary art held in the city of Kochi in Kerala. This festival is considered one of the largest contemporary art festivals in Asia. The event features works by both established and emerging artists.
Many of the works presented are interactive, with many artists taking the time to speak with the audience about their work. This blooms a creative atmosphere and allows artists to learn from the feedback from the visitors. This approach enhances the true meaning and value of the art and spreads it to the world.

2. Nagaur festival:
If you're in the mood for a good time and want to get a feel of the rural culture of Rajasthan, the Nagaur festival is the right place to be. From the flamboyant costumes to the exciting camel races, the Nagaur festival will surely entertain you with its colourful and vibrant shows. In the evenings, the fair turns into an open-air theatre with stunning performances of local dance forms.

3. Hornbill festival:
Every year, the Hornbill Festival is organised in Nagaland. This is also known as the Festival of Festivals, as it celebrates the beauty of nature and the importance of birds for the community. The festival lasts from the first to the tenth of December. Thousands of people come from across the world to attend the festival, which has become a cultural highlight.
The winter festival is undoubtedly a chance to experience Nagaland's diverse culture and traditions. Most of the major tribes of the region are represented during the festival, and they display their tribal crafts and dances.

4. Ziro festival:
If you are a music fanatic and love rock concerts, you must attend the Ziro festival, which is an outdoor music festival. Held every year in the Ziro valley of Arunachal Pradesh, it has a massive range of rock and pop bands performing yearly. Even if you are not fond of music, you can still enjoy the festival and see some exhilarating live performances.

5. Jaipur Literature Festival:
The Jaipur Literature Festival hosts some of the world's most talented writers and poets. The festival is organised by the Jaipur Literature Foundation, which aims to promote literary works and amplify their importance.
The festival has hosted nearly 2000 speakers and greeted over a million book lovers. It's not only a celebration of Indian literature but also a democratic platform for the development of global literature. As a non-profit organisation, it is non-aligned and offers fair access to all. Overall, it is a great multifaceted event with lectures, book discussions, and literary readings.

Locals and tourists alike have an insatiable appetite for winter celebrations. As a result of its mystique and splendour, thousands of people travel long distances to attend these festivals every year. However, mishaps are always possible with such a huge number of people. Thus, contacting a reputable general insurance company would be best to get a suitable insurance policy for your trip's safety.

Click HERE to buy insurance from the most trusted general insurance company.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

You have arrived at the airport and are excited about your holiday. But for some reason, your flight is delayed. Maddening! Right? You begin to feel irritated as all the thrill starts disappearing. You have no idea how to pass the time at the airport. Even the noise and chaos further grow your disappointment.

Fortunately, there are lots of activities you can do to occupy yourself while waiting for the airplane to take off. You will notice that an airport is a sizable facility with various entertainment options. Therefore, before you get to your destination, wait patiently, and tour the airport's many areas. Put yourself in "vacation mode" and leave the bustling world behind.

Here are a few things you can do in airports to pass the time as you wait for your flight.

1. Display your photography prowess:
If you enjoy taking pictures, the airport offers interesting opportunities to capture props, aircraft, artwork, and architectural structures. You can even take candid pictures and make portraits of the individuals nearby. Start by putting your hesitation aside and enjoy yourself as you take amazing images and start making beautiful memories right from the start of your trip. However, be cautious, as photography is prohibited at some locations at the airport.

2. Browse the kiosks or shop at duty-free:
The duty-free shops at the airport have some incredibly affordable offers. You name it: clothing, alcohol, and chocolates! Even though some stores are pricey, you may pass the time by browsing various goods if you have no other choice. It's an excellent strategy to stay active and finish any unfinished tasks.

3. Use the free Wi-Fi:
Suppose you are not interested in moving around. Still, we have a fix for you! Worldwide, free Wi-Fi is available in most airports. Your favourite web series is available for viewing after turning on your Wi-Fi. There are free things in life sometimes! But don't use a public Wi-Fi network to access your bank accounts or anything private.

4. Talk to others:
People from many places are seated together in an airport like a miniature world. Additionally, it's a great place to meet new people and mingle. Avoid just bursting into people. Talk to them and find out about their country and neighbourhood. You must always be open to making new friends on the go!

5. Observe:
Suppose you don't like engaging with others. You can just watch them; there won't be any interaction or information. The airport is the perfect place full of travellers from all parts of the world. If you are an artist, noticing things can help you write or copy articles.

6. Read a book:
The best way to enjoy your company and kill time at the airport is to pick your favourite book and engross yourself in reading. There can't be any better experience than involving a substance that entices and refreshes you by just turning pages.

7. Sleep off:
If none of the choices appeals, you may take a nap and rest for a while. Pick a seat in a corner or access the lounge if you can, turn on your favourite music, and set the alarm for a quick nap.

If you're stuck in an airport, we hope these solutions will be helpful. But be aware of the updated details of your flight and stay alert on the announcements. Also, check your luggage in case you are waiting for a long time. It is advised that you purchase travel insurance to protect your trip. The travel protection under the general insurance India policy covers unexpected events like a delayed flight, missing checked baggage, and more.

Suppose your general insurance India plan includes luggage insurance. In that case, your insurer may be able to reimburse you, up to the limit specified on the confirmation of coverage, for covered loss, theft, or damage to your baggage and personal belongings.

Click HERE to buy the best general insurance India plan to make your travel hassle-free.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.