5 Things To Know Before Buying Home Insurance & Why It Is Important? | Insurance Guide | Money Today

Home insurance remains one of India's most overlooked financial safeguards, despite rising risks from floods, earthquakes, fires, theft, and building collapses. In this Money Today insurance masterclass, Deepak Uniyal, Co-Founder and CEO of Insurance Samadhan, explains what a home insurance policy covers, including the building structure, furniture, appliances, jewelry, cash, and tenant belongings. The discussion examines how homeowners should calculate adequate coverage using rebuilding cost, construction cost, and property value. It also explores natural disaster riders, temporary accommodation benefits, third-party liability, documentation requirements, surveyor assessments, and important exclusions such as war, civil unrest, poor approvals, and prolonged vacancy.