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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

Thursday, June 15: <keyword id="17578676" type="General" weightage="100" keywordseo="cyclone-biparjoy" source="Orion">Cyclone Biparjoy</keyword> is ready to touch down over India's west coast today. The Very Severe Cyclonic Storm is expected to make landfall near Gujarat’s Jakhau Port by Thursday evening, and gradually lose steam as it continues to move inland — all while triggering potentially catastrophic torrents of rain in the region. Post-landfall, Biparjoy is expected to continue its northeastward movement until it eventually fizzles out over Rajasthan. But even during its gradual deintensification from a Very Severe Cyclonic Storm to a low-pressure area, the system will carry on dumping an ocean-worth of rain over the desert state. According to the India Meteorological Department (<keyword id="6366970" type="General" weightage="20" keywordseo="imd" source="Orion">IMD</keyword>), the southwestern parts of Rajasthan will be in for heavy to very heavy (64.5 mm-224.5 mm) and even extremely heavy downpours (more than 224.5 mm) this Friday and Saturday (June 16-17). The intense precipitation will slowly spill into southeast Rajasthan by Saturday. And while not as intense, some light or moderate showers may also be observed in most parts of the state. In fact, some experts reckon some parts of western and northwestern India may end up accumulating more than the average June rainfall within the next two days! Therefore, it is advisable for the regional residents to keep an umbrella handy this weekend, even if they do not live in areas expected to beat the brunt of the cyclone’s impact. Moreover, squalls winds reaching 40-50 kmph, gusting to 60 kmph are likely over South Rajasthan from Friday noon to evening, followed by winds at 35-45 kmph, gusting to 55 kmph till Saturday midnight. Given these predictions, the IMD has issued a yellow watch (meaning be updated) over Rajasthan for today, but this will quickly escalate. On Friday, the West Rajasthan subdivision will be placed under a red warning — the highest level of warning that cautions residents to take necessary action against the hazardous weather. Thereafter, the red warning will also spread to East Rajasthan on Saturday. After that, both subdivisions will be downgraded to an orange alert (meaning be prepared) for Sunday before deintensifying back into yellow for Monday. In particular, the following districts within the state will remain on orange alert and red warning in the coming days: Saturday, June 17: Pali and Jalore on red warning; Jaisalmer, Sirohi and Barmer on orange alert Sunday, June 18: Pali and Jalore on red warning; Ajmer, Bhilwara, Rajsamand, Jaisalmer, Jodhpur, Bikaner, Sirohi and Barmer on orange alert Monday, June 19: Jaipur, Tonk, Sawai Madhopur, Ajmer, Pali and Udaipur on orange alert Further, as East India reels under searing heatwaves, Biparjoy's rainy and windy shenanigans will induce a distinct chill in the west. IMD forecasts that daytime temperatures in Northwest India will likely fall by 2-4°C over the next five days. As the cyclone gradually deintensifies, the frightening conditions will eventually lull out in a few days. But while the tumultuous times persist, it is imperative that you take the necessary steps to protect yourself against any potential danger from the weather behemoth.

Desert state of Rajasthan on red alert: Cyclone Biparjoy to cause extremely heavy rains on June 16-17

<ul><li><keyword id="6366970" type="General" weightage="20" keywordseo="IMD" source="Orion">IMD</keyword> has issued an <keyword id="2917676" type="General" weightage="20" keywordseo="orange-alert" source="Orion">orange alert</keyword> in Mumbai, Assam and Meghalaya due to intense rainfall.</li><li>Heavy rainfall with thunderstorms likely to hit north, northeastern and southern states in the next five days.</li><li>Whereas, no warning has been issued for Uttarakhand, Arunachal Pradesh, Marathwada and Andaman and Nicobar Islands.</li></ul>In the next 2-3 days, there would be heavy rainfall across northern, central and eastern parts of India, according to the <keyword id="55209" type="General" weightage="20" keywordseo="Indian-Meteorological-Department" source="Orion">Indian Meteorological Department</keyword> (IMD). It has even issued orange alerts in Mumbai, Assam and Meghalaya in anticipation of intense rainfall – shifting gears from one extreme weather to another. Assam and Meghalaya — which are two worst hit states by flood — are likely to receive more rain today. Around 52 people have died in these two states due to floods and 44 lakh people have been displaced so far. The IMD has indicated a strong chance of heavy to very heavy rainfall in Mumbai, Palghar, Thane, Raigad, Ratnagiri and Sindhudurg districts of Maharashtra. Chennai too is expected to be the epicenter of heavy rainfall – along adjoining districts like Nungambakkam and Meenambakkam localities. The state witnessed a heavy downpour on Sunday, June 19, as well which is an indication of more thunderstorms in the coming days in Chennai and suburbs in addition to a downpour on Monday. <cmsannotation type="cmsannotation" annotationid="Heavy rainfall with thunderstorms likely in north and the northeast" comment="subhead" text="Heavy rainfall with thunderstorms likely in north and the northeast">Heavy rainfall with thunderstorms likely in north and the northeast</cmsannotation> According to sub-division wise warnings by IMD, northern states like Jammu and Kashmir, Punjab, Himachal Pradesh are likely to experience heavy rainfall along with thunderstorms and lightning. The rain will bring a reprieve from the scorching heat especially in the northern states of India. Delhi, Uttar Pradesh, West Madhya Pradesh and East Rajasthan may witness only lightning and thunderstorms. Similar conditions are likely to surface in Bihar, Jharkhand and East Uttar Pradesh. Widespread rainfall with thunderstorms, lightning very likely to occur in Odisha, Vidarbha and Chhattisgarh in the next five days. Heavy rainfall is likely to occur in Gujarat region and Madhya Maharashtra, as per the IMD report. <cmsannotation type="cmsannotation" annotationid="Cloudy with a chance of thunderstorms" comment="subhead" text="Cloudy with a chance of thunderstorms">Cloudy with a chance of thunderstorms</cmsannotation> IMD has also predicted that the sky condition is likely to be partly cloudy for the next 24 hours in the southern states. Tamil Nadu and Puducherry, Coastal Andhra Pradesh, Telangana, Kerala, South Interior Karnataka may witness heavy rainfall along with thunderstorms and lightning. Similar conditions are likely to prevail in northeastern states as well — West Bengal and Sikkim, Gangetic West Bengal, Nagaland, Manipur, Mizoram and Tripura. Saurashtra and Kutch, Coastal Karnataka and Kerala are likely to experience strong surface winds. However, no warning has been issued for Uttarakhand, Arunachal Pradesh, Marathwada and Andaman and Nicobar Islands. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/life-in-rural-india-hit-by-a-wilted-rabi-crop/articleshow/92333426.cms">Vanished savings, trading down to cheaper essentials – life in rural India hit by a wilted Rabi crop</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/sustainability/news/bengaluru-attempts-to-promote-e-mobility-by-setting-up-nearly-150-new-ev-charging-stations-across-the-city/articleshow/92331903.cms">Bengaluru attempts to promote e-mobility by setting up nearly 150 new EV charging stations across the city</a>

India heads into the thunderstorm zone right after the heatwave, orange alerts issued

You Searched For "gujarat heavy rainfall" and got 3 results

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

Desert state of Rajasthan on red alert: Cyclone Biparjoy to cause extremely heavy rains on June 16-17

BI India Bureau

India heads into the thunderstorm zone right after the heatwave, orange alerts issued

Vaamanaa Sethi

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