India faces frequent extreme weather events like floods, cyclones, earthquakes, and storms, which can cause severe damage to homes. Home insurance ensures financial assistance after unforeseen disasters.

Burglaries or vandalism can lead to the loss or damage of valuables such as electronics, jewellery and furniture. A home insurance policy helps compensate for these losses, allowing you to replace or repair your belongings.

Home insurance doesn’t just cover your home structure; it also protects personal items inside, like electronics, appliances, artwork, and furniture against damage or theft, depending on your policy.

Home Insurance is an affordable investment and a smart financial move to avoid incurring massive out-of-pocket costs in the event of unexpected damage or loss to your home and possessions.

Without home insurance, paying for repairs after a disaster, burglary, or accident can derail long-term financial plans. Home Coverage ensures that major expenses are handled without affecting savings for education, retirement, or other life goals.

Living with financial uncertainty about natural disasters, theft, or accidents can be stressful. Home insurance provides peace of mind, knowing that your property and belongings are always financially protected.

Home burglaries can happen anywhere, anytime- even in the most secure places. Home insurance helps you recover from losses that could occur due to such uncertain and unforeseen circumstances.

Contrary to popular belief, home insurance goes beyond just the physical property of your home. It covers everything, right from your garage to your home’s contents.

Going through the hassle of rebuilding your home and recovering from the damages can not only be stressful but also result in a significant loss of money. Luckily, having home insurance can cover you for it all!

It provides coverage for all household contents. It can cover popular content such as electrical equipment and furniture.

Under this cover, you are fully protected against several threats to the building's structure and contents.

This policy covers damage to the building's basic foundation, walls, and roof, among other structural elements.

Those who live in independent flats, whether part of a housing society or standalone buildings, must have home insurance. The same could be either a flat that you own or rent. Digit policy is suited for both!

Perhaps you and your extended family live in a standalone building, owning or renting flats in the entire building. In this case, you can choose to cover for them all with a home insurance by Digit.

Suppose you own or have rented an independent villa or house. In that case, home insurance is essential to protect your property and its contents from potential risks such as burglary, flooding, storms, and other unforeseen circumstances.

There aren't many things in life that compare to the satisfaction of opening the door and entering a home you own. 🙂 But what if something happens to it?

With home insurance, homeowners can rest easy. It can safeguard possessions from theft, fire, man-made dangers, natural disasters, and more.

Finding a perfect rental property in your desired location is not as easy as it seems. But even if you're a tenant, everyone needs to feel protected. 🙂

With a home insurance policy, you can safeguard all of your possessions and protect yourself from monetary damages in the event of accidents, burglary, or natural disasters.

The policy does not cover any intentional destruction of the house by the owner or occupants.

Losses resulting from war, invasions, or war-like operations do not fall under the coverage.

Damages caused by ionising radiation or radioactive contamination are excluded.

The policy does not cover bullion, unset precious stones, manuscripts, vehicles, or explosive substances.

Any expenses incurred for preparing a claim, such as documentation fees, are not reimbursed.

Those expenses will not be covered if the house undergoes alterations exceeding 10% of its carpet area (from the commencement date or on the date of renewal).

The most important part of your home insurance is the kind of coverage you’re getting. You need to know what you will be covered for in the case of an unfortunate event. Therefore, always look at what is covered and what is not covered to help evaluate the most valuable plan to you.

Your Sum Insured in your Home Insurance refers to the total amount you’ll be covered for in the case of a claim you make. Therefore, be very wary on the amount you’d like to go for since this won’t only affect your home insurance premium but will also affect the claim amount you will receive in the case of damages and losses!

Sometimes, you need coverage beyond just the basic plan benefits. This is where add-ons come in use. Different insurance providers offer varying ranges of add-ons for individuals to choose from. Likewise, we at Digit offer a unique jewellery protection add-on for Home Insurers. Compare your options and see what works best for you!

Checking the home insurance company's claim settlement percentage before to making any purchases from them is another essential advice you shouldn't overlook. The insurer's CSR will provide a clear overview of the proportion of claims they have settled or cleared in a given year compared to the total number of claims they have received.

It's important to thoroughly comprehend the inclusions and exclusions of your house insurance policy. Understanding what is not covered before paying the premium guarantees a simple claim settlement procedure. Additionally, review the policy's terms and conditions before purchasing it.