Buy Home Insurance in Kerala with Right Protection
Protect your home, property, and valuable belongings with suitable Home Insurance in Kerala. AIMS Insurance Broking helps homeowners, tenants, and property owners in Thrissur, Kerala, and across South India compare home insurance policies, plans, and coverage from leading Indian insurers. Get expert guidance to choose suitable home insurance protection based on your property, risks, coverage needs, and budget.
How Do I Decide How Much Sum Insured I Need for Home Insurance?
For Your Building
Choose the sum insured based on the estimated cost of rebuilding your home, rather than its current market or resale value.
- Consider the current construction cost in your location. Local construction costs may vary, so check with a contractor for an up-to-date rebuilding cost per sq. ft.
- Example: 1,000 sq. ft. home × current local reconstruction cost per sq. ft. = estimated building sum insured.
For Your Contents
Include the value of the belongings you want to protect under your Home Insurance Policy.
- Furniture, electronics, appliances, clothing, jewellery, and other eligible belongings
- Quick estimate: Calculate the approximate replacement value of your household contents
- Example: Household contents worth ₹3–5 lakhs may require a similar contents sum insured, depending on the items covered.
I Live in a Rented Apartment. Do I Need Home Insurance?
Yes, tenants can consider Home Contents Insurance to protect their personal belongings against covered risks. Renters Insurance can help cover eligible items such as electronics, furniture, clothing, jewellery, and other valuables kept inside a rented home. The landlord’s Home Insurance for Rental Property generally protects the building or the owner’s insured interests.
- Electronics & Appliances — TVs, laptops, refrigerators, and other eligible devices.
- Personal Belongings — Furniture, clothing, jewellery, and other household items.
- Important Documents — Cover for eligible documents and valuables, subject to policy terms.
- Contents Protection — Protection for eligible belongings kept inside your rented home.
What Disasters Are Typically Covered Under Home Insurance?
Depending on the policy, home insurance may provide protection against several common risks, including:
- Fire and explosions
- Lightning strikes
- Storm and cyclone damage
- Flood and water damage
- Riots and strikes
- Earthquakes (inbuilt cover)
- Vehicle impact damage
What Are the Common Home Insurance Exclusions?
Some losses may not be covered under a standard home insurance policy, including:
- Normal wear and tear
- Gradual leakage (unless sudden and accidental)
- War and nuclear risks
- Electrical breakdown (unless it causes fire)
- Termite and pest damage
Coverage Made Right
Guidance Made Simple
Protect your home, property, and valuable belongings with Home Insurance in Kerala. AIMS Insurance Broking helps you compare suitable policies and coverage from leading Indian insurers based on your property and protection needs.