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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

<ul class="summary-list"><li>Hurricane season may end with a November surge of storms starting next week, AccuWeather forecasts.</li><li>Florida and the Carolinas are most at risk, even as they recover from <a target="_blank" class="" href="https://www.businessinsider.com/florida-man-refused-leave-hurricane-proof-home-basically-unharmed-milton-2024-10">Hurricanes Helene and Milton</a>.</li></ul><a target="_blank" class="" href="https://www.businessinsider.com/2024-atlantic-hurricane-season-not-over-storms-predictions-2024-10">Hurricane season</a> seems to be rallying for a final surge of storms.AccuWeather, a world-leading weather forecasting company, predicts that November will bring one to three <a target="_blank" class="" href="https://www.businessinsider.com/tiffany-trump-wedding-could-be-affected-by-tropical-storm-nicole-2022-11">tropical storms</a> strong enough to get names, and the first one could come in just a week.Florida and the Carolinas are the most at-risk states. Communities there are still reeling from Hurricanes <a target="_blank" class="" href="https://www.businessinsider.com/tesla-vs-rivian-r1t-owner-hurricane-helene-survived-convert-2024-10">Helene</a> and Milton.<div type="image" title="neighborhood with flooded streets and lawns after hurricane milton" height="2333" width="3500" msid="114728113" hostid="261" sizebytes="1034234"></div>"We are concerned that areas, the entire <a target="_blank" class="" href="https://www.businessinsider.com/florida-residents-moving-leaving-climate-change-refugees-hurricanes-flood-2023-2">state of Florida</a> even up into the Carolinas, could be at risk of seeing another tropical impact this season," Alex DaSilva, a hurricane expert at AccuWeather, said in a statement. "And of course, those areas are already very, very vulnerable from multiple hits this season."Meanwhile, the AccuWeather forecast predicts very low storm risk for the western <a target="_blank" class="" href="https://www.businessinsider.com/longshoremen-strike-leaves-east-and-gulf-coast-ports-shuttered-2024-9">Gulf Coast</a> — Alabama, Mississippi, Louisiana, and Texas.<h2 id="c696dd90-310a-4f80-a582-6f07398990ba">Chance of a December cyclone</h2>It's already been a <a target="_blank" class="" href="https://www.businessinsider.com/hurricane-helene-relief-disinformation-misinformation-north-carolina-democrats-republicans-2024-10">nasty hurricane season</a>, with storms so far causing more than 300 deaths and nearly $500 billion of losses in the US, according to AccuWeather.Hurricane season ends on November 30, but DaSilva said there may be a rare December cyclone this year."It doesn't happen very often, but the very <a target="_blank" class="" href="https://www.businessinsider.com/record-ocean-temperatures-california-heat-atmospheric-river-storms-santa-cruz-2023-1">warm sea surface temperatures</a> could make it possible this year," DaSilva said.As greenhouse-gas emissions from human activities drive global temperatures higher, ocean temperatures are also rising. Both warm water and warm air <a target="_blank" class="" href="https://www.businessinsider.com/hurricane-category-6-wind-speed-prediction-2024-2">fuel stronger storms</a>.<div type="image" title="image of home destruction" height="3691" width="5536" msid="114728115" hostid="261" sizebytes="2105650"></div>Another factor in AccuWeather's forecast is low <a target="_blank" class="" href="https://www.businessinsider.com/flying-becoming-more-miserable-climate-crisis-delays-costs-turbulence-2024-8">wind shear</a>, which is the change in wind speed and direction over a short distance. When it's low, the wind is less likely to disrupt storm formation.The US National Hurricane Center (NHC) does not forecast hurricanes more than seven days out, a representative told Business Insider.However, the NHC said in August that this Atlantic hurricane season would likely produce 17 to 24 named storms total. So far, there have been 15 named storms.<h2 id="ce2ab63d-b811-48d3-ae78-5a4e0a528503">A possible storm is already brewing</h2>AccuWeather reported "high risk" of a storm forming in the first week of November, starting on Friday.The NHC is also monitoring the region, which it has assigned a 40% chance of forming a tropical depression in the next seven days."We're becoming more confident that the next named storm in the Atlantic basin could form within the next week," Bernie Rayno, AccuWeather's chief on-air meteorologist, said in a statement.DaSilva said that rain and thunderstorms occurring in the southern Caribbean are "early signs of development," and that a high-pressure area building to the north of that could create the right conditions for a cyclone.This could lead to a tropical storm or even a hurricane in the first few days of November," DaSilva said.<div type="image" title="Hurricane Milton made landfall in Florida" height="683" width="1024" msid="114728122" hostid="261" sizebytes="28832"></div>According to DaSilva, if a storm forms there it could move over Cuba and into the Atlantic, or it could head for Florida.Only three hurricanes have made landfall in the US in November since 1900. The most recent was Hurricane Nicole, which struck Florida as a Category 1 storm in November 2022 and worsened damage from <a target="_blank" class="" href="https://www.businessinsider.com/video-shows-why-hurricane-ian-stunned-meteorologists-storm-hunters-2022-9">Hurricane Ian</a>.The others were Hurricane Kate, which hit the Florida panhandle as a Category 2 on November 15, 1985, and the 1935 "Yankee Hurricane," which struck Florida in the first week of November as it traveled down from the north.

Hurricane season isn't over. Experts predict a final surge of storms and maybe even a December cyclone.

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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

Hurricane season isn't over. Experts predict a final surge of storms and maybe even a December cyclone.

Morgan McFall-Johnsen

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