I N S U R A N C E B R O K E R S
You don’t want it. But, you need it !
BUILDING ASSET IS
HARD WORK.
Can you afford to lose
or suffer the loss ?
Not many people have
seen their home burn down
But damage and loss to
your home can occur in
other ways like …
FLOOD
EARTHQUAKE
LIGHTENING
STORM
ACCIDENT
BURGALERY
… or other Perils
causing a
financial disaster.
Home Insurance avoids
such risks.
A hut or bungalow,
rented or owned
insure your house & contents
to protect against
unforeseen risks.
Home Insurance covers the following:
1. Buildings insurance – damage to buildings;
2. Contents insurance - damage to conte...
BUILDING INSURANCE COVERS:
 The main structure of your home and domestic
outbuildings.
 Permanent fixtures to your home,...
What is usually covered by buildings
insurance?
Damage caused by:
• Fire, explosion, lightning or earthquake;
• Flooding, ...
Contents insurance
Contents insurance
• This can be a separate policy to your
buildings insurance or a combined policy with
your buildings in...
How much do I insure my contents
for ?
• You should insure your contents for the
figure it would cost to replace them.
• T...
What is usually covered?
• Loss or damage to items on a “new for old” basis.
• Accidental damage to household equipment.
•...
Public Liability Insurance
• Included in most policies.
• Covers costs, fees and expenses that you are legally
liable for ...
Apartment Package Insurance
Apartment Package Insurance
• This insurance plan is intended to protect the
home-owners of apartments against accidental
...
How to make a claim
• Contact your insurer or broker as soon as possible.
• Give brief details of incident and request a c...
What can you, the property owner, do ?
• Be proactive.
• First and foremost, educate, yourself about
your current policy p...
• After Roti, Kapda aur Makan now it is their
Insurance is a necessity. It is not a luxury.
You have to have it.
• Be sure...
An IRDA (Insurance Regulatory &
Development Authority) licensed Brokers.
CHENNAI - BANGALORE – DELHI – JAIPUR –
KOLKATTA –...
080-4154-0688 or
bangaloremarketing@richardstrauss.in
DISCLAIMER: This presentation is intended to provide you general
inf...
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Home Insurance - a presentation by Richard Strauss Insurance Brokers

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Home Insurance - a presentation by Richard Strauss Insurance Brokers

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Home Insurance - a presentation by Richard Strauss Insurance Brokers

  1. 1. I N S U R A N C E B R O K E R S
  2. 2. You don’t want it. But, you need it !
  3. 3. BUILDING ASSET IS HARD WORK.
  4. 4. Can you afford to lose or suffer the loss ?
  5. 5. Not many people have seen their home burn down
  6. 6. But damage and loss to your home can occur in other ways like …
  7. 7. FLOOD
  8. 8. EARTHQUAKE
  9. 9. LIGHTENING
  10. 10. STORM
  11. 11. ACCIDENT
  12. 12. BURGALERY
  13. 13. … or other Perils causing a financial disaster.
  14. 14. Home Insurance avoids such risks.
  15. 15. A hut or bungalow, rented or owned insure your house & contents to protect against unforeseen risks.
  16. 16. Home Insurance covers the following: 1. Buildings insurance – damage to buildings; 2. Contents insurance - damage to contents; 3. All-risks cover – loss or damage to valuables; 4. Liability insurance – injury to others in or around your home, damage to other people’s property.
  17. 17. BUILDING INSURANCE COVERS:  The main structure of your home and domestic outbuildings.  Permanent fixtures to your home, for example, fitted kitchen, bathroom, floors, etc. i.e. whatever you can’t take with you when you move.
  18. 18. What is usually covered by buildings insurance? Damage caused by: • Fire, explosion, lightning or earthquake; • Flooding, storm and subsidence, with some restrictions; • Riot, vandalism, or other violent acts; • Burglary or attempted burglary that results in property damage; • Water or oil escaping from a fixed appliance such as a water tank; • Vehicles, animals, etc, damaging buildings, walls & fences; • Falling trees and branches.
  19. 19. Contents insurance
  20. 20. Contents insurance • This can be a separate policy to your buildings insurance or a combined policy with your buildings insurance. • This includes items that you will take with you when you leave the house, e.g. Furniture / fixtures, gold / silver articles, electrical / electronic items etc.
  21. 21. How much do I insure my contents for ? • You should insure your contents for the figure it would cost to replace them. • There may be a minimum amount you can insure your contents for.
  22. 22. What is usually covered? • Loss or damage to items on a “new for old” basis. • Accidental damage to household equipment. • Loss or damage to items you temporarily remove from the house – does not include glass or fragile items. • Cash stolen from your home, up to a limit.
  23. 23. Public Liability Insurance • Included in most policies. • Covers costs, fees and expenses that you are legally liable for if a 3rd party can prove that you were at fault, e.g. someone on your property gets ill, has an accident, is injured or dies. Plus accidental damage you cause to someone else’s belongings. • Does not cover accidents that happen to members of your family and damage that you cause to your property.
  24. 24. Apartment Package Insurance
  25. 25. Apartment Package Insurance • This insurance plan is intended to protect the home-owners of apartments against accidental damage of the building. The damage covered under this policy are a variety of disasters such as storm, fire, theft, vandalism and related hazards. • Covers failure of Lifts, DG Set, Motor Pumps and other machinery / equipments. • Covers Workmen Compensation to workers in case of death or injury while on duty.
  26. 26. How to make a claim • Contact your insurer or broker as soon as possible. • Give brief details of incident and request a claim form. • You will be told what to do next. • You can hire an assessor – works on your behalf and negotiates with the insurer to settle your claim.
  27. 27. What can you, the property owner, do ? • Be proactive. • First and foremost, educate, yourself about your current policy provisions and insurance company practices. • Ask lots of questions.
  28. 28. • After Roti, Kapda aur Makan now it is their Insurance is a necessity. It is not a luxury. You have to have it. • Be sure that whatever happens, the security of your home is protected by Home insurance. CONCLUSION
  29. 29. An IRDA (Insurance Regulatory & Development Authority) licensed Brokers. CHENNAI - BANGALORE – DELHI – JAIPUR – KOLKATTA – MUMBAI – PUNE – VIZAG.
  30. 30. 080-4154-0688 or bangaloremarketing@richardstrauss.in DISCLAIMER: This presentation is intended to provide you general information only and is not exhaustive. It is an education initiative and does not seek to give you any legal advice.

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