Home Insurance
I live in a rented apartment. Do I need home insurance?
Yes! As a tenant, you need contents insurance to protect your belongings:
- Electronics (TV, laptop, fridge)
- Clothes and personal items
- Jewelry and valuables
- Cash at home
- Important documents
Your landlord’s insurance only covers the building structure, not your stuff inside.
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How do I decide how much sum insured I need for home insurance?
For building:
Current reconstruction cost (not market value)
- Check with local contractors: ₹1,500-3,000 per sq ft
- Example: 1,000 sq ft apartment = ₹15-30 lakhs reconstruction cost
For contents:
For contents
- Furniture, electronics, clothes, jewelry, etc.
- Quick estimate: ₹3-5 lakhs for middle-class household
What disasters are typically covered under home insurance?
Standard policy (like Bharat Griha Raksha) covers:
- Fire and explosions
- Lightning strikes
- Storm and cyclone damage
- Flood and water damage
- Riots and strikes
- Earthquakes (inbuilt cover)
- Vehicle impact damage
Are there any common exclusions I should know about?
Watch out for these typical exclusions:
- Normal wear and tear
- Gradual leakage (unless sudden and accidental)
- War and nuclear risks
- Electrical breakdown (unless it causes fire)
- Termite and pest damage
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We are availing the services of AIMS for our company’s insurance needs and have found their service to be reliable and professional. Their support and responsiveness make them a trusted partner for our insurance requirements.
Maya George
I had a great experience with AIMS. The team was very easy to work with. They gave us all the information we needed to make the right choice for health insurance that suited our needs the most.
Maya Gopi
I had a great experience with the service at AIMS Thrissur branch. I have no words to express my appreciation for the staff at this branch. The entire team operates with professionalism.
Farhan
A very prompt and really helpful broking team. Their Kochi office was very helpful and supportive in all my insurance needs…I strongly recommend their service for any type of insurance needs.
Rithu
While dealing with AIMS Cochin office for the settlement of my claim, i really impressed with the service provided by the team in that office especially the staff Ms Renya who was attending my claim.