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INSURANCE

Protect Yourself
And Your Loved Ones

Home Insurance

Get proper coverage for your home and your belongings and protect them from unforeseen circumstances with Home Insurance from Muthoot Insurance Brokers. Our home insurance plans protect your residence from natural and manmade calamities, offering you complete peace of mind, knowing that your most precious asset is secure.

Extensive coverage options
Covers the building as well as contents
Simple and quick process for claim settlement
Offers coverage for your property from damage or loss
Insure your home in a fast and hassle-free process with minimal documentation

Why Invest in Home Insurance?

A house is the biggest investment that Indians generally make. We spend the majority of our life saving and paying for our house. The house itself, and all the belongings of the house are very dear to us, and hence it is extremely important that we buy home insurance to protect the same from unforeseen circumstances.

Let’s delve into the details of what home insurance is and why it is sensible to get one. Tragedy or catastrophe do not come planned, hence it is important that we mitigate the additional costs that may result from any future calamities through home insurance. A home insurance policy offers coverage for damages that may occur to the house, and in some policies, to the belongings of the house as well, on account of any natural or man-made calamities/tragedies. Though referred to as home insurance, it is not restricted to the place of residence alone. Muthoot Finance offers its customers to take this policy for their shops, warehouse or industrial set-up as well.

Factors that Effect Home Insurance Premium

Location – The location of the property being insured plays a key role in determining the premium value. If the location is susceptible to any calamity, such as floods, cyclones, earthquakes, etc, the premium on the policy may be on a higher side.
Sum insured – Home Insurance premium is also impacted by the value of sum insured. The higher the sum assured the higher is the premium.
Existing Relationship – Customers with an existing relationship with Muthoot may rest assured of the best and most affordable home insurance policy premium.

Types of Home Insurance Policies

Standard Home Insurance – This is the most affordable home insurance policy which offers coverage towards structural damage to the building/home due to any natural or man-made calamities such as fire, storms, lightning, earthquakes, explosions, hurricanes, cyclones, malicious damage and other perils.
Comprehensive Home Insurance Policy – At Muthoot finance, we also offer a comprehensive home insurance policy that covers all the features of a standard home insurance policy and can also cover the belongings kept inside the house. Customers can take a comprehensive home insurance policy to exhaustively cover the furniture and fixtures, paintings, jewellery or any other expensive household items.
Building Insurance Policy – Customers can buy a home insurance policy, to cover only the structure of the building/house/shop/industrial estate. The value of coverage can be determined based on the purchase or construction cost of the premises.
Household Articles Insurance Policy – We possess and keep many expensive and valuable things in our house. There may be certain family heirlooms, which have moved from generation to generation and reached our humble abode. It is extremely important to ensure that we insure any damage that may arise to these, on account of natural or man-made calamity. A household articles insurance policy can be purchased to insurance such articles against future uncertainties.
Legal Liability – Muthoot offers home insurance policy covers which can also be customised to cover the legal costs that may be incurred on account of any accidental injury or death on your premises. In the case of an industrial estate, customers may want to take this policy to cover any risks that may be presented by their line of work.
Customised Home Insurance Policies – At Muthoot, we believe in delivering what the customer needs or wants, hence we offer customisation of the home insurance policy in accordance with the requirements. Customers can add riders to the policy in accordance with their circumstances and needs. Home insurance premiums would be adjusted accordingly.

How to Apply for a Home Insurance with Muthoot Finance?

We at Muthoot Finance, endeavour to offer the best home insurance policy options for our customers and also the best possible customer service. Customers can apply for the policy either by visiting our website or by walking into any one of our over 3600 branches across India. The overall process of issuing a home insurance policy is as follows:

Customers need to fill out a mandatory form when applying for home insurance and give the basic details, such as the location of the house, size, items being insured, etc.
All required documents, as stated in the application form, are to be submitted along with the form.
Insurer would arrange a home visit to inspect the house and the household articles for which a home insurance policy is being bought.
Insurer would conduct a valuation process to evaluate the value of the house and the household articles. This would help us conclude the value of sum assured that can be offered on the policy.
Insurance premium would be different for each individual house and the household articles. Hence the Insurer would assess the age, purchase price, condition and other required details of the house and the household articles to determine the insurance premium that would be applicable on the house insurance policy.
The sum assured and the premium are then offered to the customer. The home insurance policy is activated only after the payments are cleared.

Why Choose Muthoot for a Home Insurance Policy?

These days, given the lifestyle of our generation, buying a home insurance policy is not really an option, but more of a necessity. We, at Muthoot, understand that and ensure that as our customer, you get the best and the most affordable home insurance policy.

Flexibility – We offer our customers the flexibility to choose the period of coverage. Customers can do so based on their needs and ability to pay the premium.

Extensive Range of Calamities – We cover a wide range of natural and man-made calamities so that customers have an all-encompassing home insurance cover.

Extensive Range of Coverage – We offer cover for the house and a numerous range of household articles.

Quick and Easy Processing – At Muthoot, we ensure quick processing of your home insurance application and make the entire experience extremely easy and hassle-free.

Quick and Easy Settlement Claims – We have a track record of high and fast claim settlement. We always ensure that all claim settlement requests are timely analysed and concluded.

Our huge customer outreach and our endeavour to do what is best for our customers makes Muthoot your first choice for purchasing the best and most affordable home loan insurance policy.

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Ask an Expert

CUSTOMER SUPPORT NO.:
8590223204

WRITE TO US:
mib@muthootlife.com

VISIT OUR WEBSITE:
www.muthootinsurancebrokers.com

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