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Over the next week, super heavy showers are set to hit the Indian subcontinent, especially in the states of Tamil Nadu, Kerala, South Interior Karnataka, Konkan and Goa, Madhya Pradesh, Maharashtra, Arunachal Pradesh, and Gujarat, the IMD (<keyword id="19963725" type="General" weightage="20" keywordseo="Indian-Meteorological-Department" source="keywords" meta.keywordsubtype="org" meta.entityname="Indian Meteorological Department" meta.hostid="261" meta.entityid="Indian Meteorological Department">Indian Meteorological Department</keyword>) has predicted. Yesterday, India's financial capital, Mumbai was hit by a surprise, albeit hefty deluge of rain. Consequently, a yellow alert was issued for Thane, Pune, Palghar and other areas near to Mumbai. Between October 13-16, very heavy rainfalls are also expected in Kerala, Tamil Nadu, Andaman and Nicobar Islands, Gujarat and Andhra Pradesh. It's no secret that incessant rains also bring about significant economic damages. As seen very often in the past, a constant barrage of torrential rains can also quickly create a flood-like situation, which can wipe away houses, vehicles and everything that comes in its way. Per media reports, the average economic impact on India due to <keyword id="19912527" type="General" weightage="20" keywordseo="floods" source="keywords">floods</keyword> between 2011 and 2021 has been a staggering Rs 25,805 crore. Imagine this-your entire se is flooded. Water has seeped into everything—your walls, furniture, and even the plumbing. Without a <keyword id="22058670" type="General" weightage="100" keywordseo="home-insurance" source="keywords">home insurance</keyword>, you'll have to spend a hefty amount towards repairs and to get your life and home back on track. <h2>Getting your home insured</h2>So, if you are wondering how to protect your hard earned material but immovable assets like house, the answer is right in front of you- Home Insurance. Says Dilip Baba, Head of Commercial and Speciality Underwriting, Go Digit General Insurance, "People usually spend their entire life savings on purchasing a home. However, people rarely think about how to protect their investment. By investing in the safety of home insurance, you can enjoy peace of mind knowing that your property is covered in case of unforeseen events. With home insurance, you can opt for three types of coverage-structure, content and comprehensive. While structure simply insures the physical, immovable formation of your house (walls, roofs), content coverage goes a step ahead and takes care of damage caused to your movable items like furniture, electronics and other items due to natural calamities, theft and more, up to a certain limit. This can also include any valuable artwork or antiques, or additional installation like solar panels you might have at your home. A comprehensive home insurance brings together both structure and contents in its insurance ambit. Having a home insurance can not just protect you from natural calamities like floods, but also from unforeseen events like theft, fire and more. The annual premium of a home insurance policy can range between Rs 2,000 to Rs 10,000 depending on the type and extent of coverage taken. Before buying a policy, be sure to clarify whether it offers actual cash value, which considers depreciation, or replacement/reinstatement cost, which covers the full replacement without depreciation deductions. To be on the safe side, you can also choose additional covers like accidental death insurance, or rent coverage, if you lose out on rental income due to damage caused to your property. You can use the carpet area of your house to get a sense of your home insurance requirements. Other covers you can opt for include valuable contents (on agreed value basis under home contents cover), additional living expense cover, tenant liability insurance, among others. Says Amit Bhandari, Chief Technical Officer at Magma HDI General Insurance, "When selecting a policy, it’s crucial to assess the unique risks that your home may face, particularly if you live in an area susceptible to <keyword id="19922196" type="General" weightage="20" keywordseo="natural-disasters" source="keywords">natural disasters</keyword>. You should tailor your coverage to address these risks while considering premium reduction strategies, such as excluding unnecessary coverages".

Heavy rains to lash across the country between Oct 12-16, here's how you can insure your home from rain's fury

<keyword id="19895037" type="General" weightage="20" keywordseo="Bengaluru" source="keywords">Bengaluru</keyword>, Karnataka’s bustling capital, is currently witnessing a worrying surge in dengue fever cases, sending waves of concern across its populace. In just 20 days, the city has recorded an alarming 1,000 cases, highlighting a drastic surge compared to previous years. Alongside dengue, there has been a notable uptick in viral fever cases, further straining local healthcare resources. Experts point to the unusual weather conditions as a key culprit. The lack of rain and unexpected cold winds have created a breeding ground for mosquitoes, the carriers of dengue. Additionally, BBMP's increased vigilance with fever surveys has led to more detections, contributing to the higher case numbers. Chief Health Officer Dr. Syed Madani emphasised the proactive stance of the health department, noting a quadrupling in checks compared to previous years. In the first half of 2024 alone, Bengaluru has already reported nearly 5,000 dengue cases, significantly surpassing last year’s figures for the same period. Most of the surge came after May this year. The eastern and Mahadevpura zones of Bengaluru have been hit the hardest by dengue, with construction work creating stagnant water – a perfect haven for mosquitoes. The southern zone, meanwhile, is grappling with chikungunya, another mosquito-borne illness. The health department is pulling out all the stops to combat the outbreak. Fogging drives are underway to kill mosquito larvae, and public awareness campaigns are educating residents on preventing water stagnation around their homes. Continuous fever surveys are also being conducted to identify potential cases early on. The severity of the outbreak hit close to home when Chief Civic Commissioner Tushar Giri Nath tested positive for dengue. Despite the setback, Nath is expected to resume his duties shortly, underscoring the personal toll of the city's health crisis. In response to mounting cases, <keyword id="19909918" type="General" weightage="20" keywordseo="Chief-Minister-Siddaramaiah" source="keywords" meta.keywordsubtype="org" meta.entityname="Chief Minister Siddaramaiah" meta.hostid="261" meta.entityid="Chief Minister Siddaramaiah">Chief Minister Siddaramaiah</keyword> has convened high-level meetings with BBMP officials and health authorities to strategize further containment efforts. With June alone witnessing 1,036 reported cases, Bengaluru braces for potentially higher numbers during the monsoon season, traditionally conducive to mosquito proliferation. However, BBMP officials are confident that their preventative measures, including extensive surveillance, fever detection, and source reduction activities, will help control the situation.

Bengaluru on dengue alert: City reports over 1,000 cases in 20 days; BBPM Chief falls prey to disease

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Heavy rains to lash across the country between Oct 12-16, here's how you can insure your home from rain's fury

Ira Alok Puranik

Bengaluru on dengue alert: City reports over 1,000 cases in 20 days; BBPM Chief falls prey to disease

BI India Bureau

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