Does Home Insurance Cover Natural Calamities - Fusion - WeRIndia

Does Home Insurance Cover Natural Calamities

Does Home Insurance Cover Natural Calamities

Many people take Home insurance to protect their beloved homes. With the recent Nepal earthquake shock, one could wonder if these insurances can cover natural calamities. There are some insurance policies which definitely cover earthquake, tsunamis, and floods.

Banks may not always offer this piece of information regarding the policy. One needs to carefully look for these conditions. Here are some insurance policies which cover the natural disasters.

ICICI Lombard’s Home Insurance

ICICI Lombard’s Home Insurance, comprehensive cover, covers both structure and contents of your home. It also provides cover against Fire and allied perils, Burglary & Theft.


HDFC Ergo’s Home Insurance

HDFC policy covers fire, lightning, explosion and implosion, storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation, earthquake, volcanic eruption and other convulsions of nature.

Tata AIG’s Standard Fire and Special Perils

This policy insures fire, lightning, explosion or implosion, impact damage, aircraft impact, bursting, overflowing of water tanks, storm, cyclone, typhoon, hurricane, tempest, tornado, flood, inundation, subsidence, landslide, riots, strikes, malicious damage, and missile testing operations.

Bharti AXA’s Standard Fire and Special Perils

It covers fire, lightning, riot,strike and Malicious Damage, Explosion or Implosion.Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations, civil war, mutiny are not covered.

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