What Is Home Insurance ?

apana khud ka ghar hona vaastav mein ek adbhut ehasaas hai. lekin kya aapane isake bachaav ke liye har sambhav upaay kiye hain? sirf apane ghar ko band karna, isakee suraksha ki guarantee nahin deta. kayi any kaaran hain jo aapake niyantran se baahar hain. home insurance policy lena aapake ghar ko surakshit karane kee disha mein ek bahut jaruri kadam hai. ham mein se bahut saare person, bahut der hone tak home beema policy lene ke mahatv ko nahin samajhate hain. yadi aap home insurance kee avadhaarana ke lie naye hain, to yahaan home insurance ke liye shuruaatee maargadarshika dee gayi hai.

Home Insurance Important Kyu Hain ?

bhagwan kaa kucch nahi pata kab kya ho jaye | jaise aap log jante hi hain ki samay samay par prakartik samasye aati rahti hain or bahut baar aisa hota hain baad aa jati hain bhukam aa jata hain or aapka ghar damage ho jata hain ek to aise mein aapke paas home insurance hona chahiye jaruri, home insurance policy maanav ke jivan mein aane wali sabhi aapdavon jaise aag, choree, barbarata aadi ke kaaran hue nukasaan ke lie bhee muaavaja pradaan karatee hai.

Type Of Home Insurance

1. home contents insurance
2. Building Structure Insurance Kya Hain ?

Home Content Insurance Kya Hain ?

ek ghar ke saman ka insurance hona bahut hi jaruri hain | jaise cloths furniture etc bahut se aise saman hain jinke nuksan ki bharpayi ye content insurance bahut hi jaruri hain | chaye aapka ghar rent par hi ho

Building Structure Insurance Kya Hain ?

building structure insurance ko lene se pahle to aapko ek ghar ka malik hona chahiye or agar aap ek ghar ke malik ho to aapko building structure insurance jarur se karana chahiye , building structure insurance

Home Insurance Valuation

home insurance ke tahat, aapako apane ghar aur sampatti ko hue nukasaan kee bharapaee kee jaegee. hani ke maamle mein aapako praapt hone vaale daave kee raashi aapake ghar aur sampatti ke moolyaankan par nirbhar karatee hai. aap do prakaar ke moolyaankan ke aadhaar par apane ghar ka beema karaana chun sakate hain.

1. Reinstatement Value

yadi aap punarsthaapan mulye par apane ghar ka beema karna chunate hain, to daava karate samay keval nirmaan kee laagat kee vasoolee kee ja sakatee hai. nirmaan laagat mein saamagree laagat ke saath-saath shram laagat bhee shaamil hai.

2. Indemnity Value

yadi aapane loss protection mulye par apane ghar ka insurance kiya hai, to aap apni sampatti ke nukasaan aur koi ghatna ke maamale mein bhugataan kiye gaye kul preemiyam ke saath beema raashi ka daava kar sakate hain. isake atirikt, sampatti kee umr ke aadhaar par moolyahraas daava raashi se kaat liya jaega.

Exclusions Under a Home Insurance Policy

sabhi insurance policy ki tarah, Home insurance mein bhee kuchh exclusion hote hain. haalaanki, yah company se company mein bhi ho sakata hai.

• Damage or loss caused due to nuclear activity/radiation
• Civil war or insurgence
• Military attack
• Minor damages caused due to termite infestation, cracks on the wall etc.
• Intentional damage 
• Act of terrorism 

CONCLUSION

Guys aaj ke is article mein meine aapko bataya hain ki what is home insurance and types of home insurance ke baare mein bataya hain to agar aapne abhi tak apne ghar ka beema nahi karaya to kara lijiye kyuki home insurance aapke home ke liye bahut jaruri hain or agar aapko ye article accha laga ho to please comment box mein jarur batana or agar aapko insurance ke baare mein humse kucch pucchna ho to aap comment box mein pucch sakte ho to guys milte hain apne kisi or new article mein tab tak ke liye jay hind vande matram