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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

New Delhi, Union Home Minister <keyword id="6355521" type="General" weightage="50" keywordseo="amit-shah" source="Orion">Amit Shah</keyword> on Sunday took stock of the situation in the wake of incessant rains as he spoke to the chief ministers of Punjab and <keyword id="6358126" type="General" weightage="80" keywordseo="himachal-pradesh" source="Orion">Himachal Pradesh</keyword>, and the lieutenant governors of Delhi and Jammu and Kashmir, sources said. The home minister assured them all central help in tackling the arising situation. The sources said Shah spoke to the chief ministers of Punjab and Himachal Pradesh and took updates about losses due to the rains. In view of the <keyword id="6385438" type="General" weightage="20" keywordseo="heavy-rains" source="Orion">heavy rains</keyword> in the national capital, the home minister also spoke to Lieutenant Governor V K Saxena and took updates. The home minister also spoke to LG of the Jammu and Kashmir and took information about the Amarnath pilgrimage which was suspended due to heavy rains, sources said. Shah appreciated the National Disaster Response Force and the State Disaster Response Force for helping the Amarnath pilgrims in Jammu and Kashmir. "The NDRF and the SDRF have always stood tall in service to the nation and humanity despite all odds. Their role has been crucial in fulfilling our goal of providing a safer <keyword id="44352" type="General" weightage="50" keywordseo="amarnath-yatra" source="Orion">Amarnath Yatra</keyword> to every pilgrim. Sharing a photograph of an SDRF Jawan carrying a lady yatri on his back for 3 km through the unforgiving terrain of the Himalayas on her way back from the holy shrine. I applaud them for being the beacon of safety for the citizens," he tweeted. Torrential rains pounded several parts of north India on Sunday with 15 people killed in landslides and other rain-related incidents, while most rivers, including the Yamuna in Delhi, were in spate. In cities and towns across the region, many roads and residential areas were submerged in knee-deep water with the civic system unable to hold on in the face of record rains. Flash floods washed away roads in hilly areas, leaving people marooned, while authorities asked tourists to plan their visit after the weather improves. Heavy downpour warnings have been issued for certain areas of Jammu and Kashmir, Ladakh and Himachal Pradesh, while in Delhi, which recorded its highest rainfall in a single day in July since 1982, authorities have cautioned over rising water level of the Yamuna. In three sperate incidents of landslides in Himachal Pradesh, where a red alert of extremely heavy rains has been issued for seven districts, five people were killed. The Amarnath pilgrimage resumed on Sunday from Panjtarni and Sheshnag base camps after remaining suspended for three days due to inclement weather in Kashmir, officials said. As soon as the skies cleared around the cave shrine, authorities opened the gates and allowed the stranded devotees to offer prayers at the naturally formed ice-lingam in south Kashmir Himalayas, they said. PTI ACB http://ptinews.com/images/pti.jpg "We bring the World to you" Disclaimer : This e-mail message may contain proprietary, confidential or legally privileged information for the sole use of the person or entity to whom this message was originally addressed. Please delete this e-mail, if it is not meant for you. TIR TIR

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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

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Amit Shah takes stock after heavy rains, speaks to Punjab, HP CMs

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