Your home is undoubtedly a sanctuary, where you wish to feel safe and at peace, huge amount of money goes into putting building, furnishing and decorating a home. So, most people choose to safeguard such cherished homes with a home insurance policy. In order to make your home insurance more comprehensive,. In a country where the climate is hot and humid for the most part of the year, air conditioners are considered basic necessities. With every household featuring multiple ACs to make life more comfortable, the cost involved rises with each AC purchased.
Considering the high prices of these ACs and continual technological innovations that keep improving the features, but at a higher price, there is a definite need to protect these useful appliances from damages and threat of being stolen. You can insure your air conditioners under home insurance and live life tension-free
Every household nowadays has multiple air conditioners that have a lot of built-in features. And these are expensive to buy and maintain too. A comprehensive home insurance policy that covers air conditioner has the following benefits
The premium of the insurance policy for your air conditioner depends upon multiple factors that influence the premium cost as well as the coverage that comes with it. Here is a look at the same:
Damages caused by unforeseen or sudden situations like fire, lightening, bursting or overflowing of water tanks, natural calamities, etc.
Financial loss due to theft, burglary, robbery, house-breaking, anti-social activities like riots and strikes, etc.
Damages caused due to any external accident or during the transit of the air conditioner are covered by the air conditioner insurance.
Breakdowns due to any mechanical or electrical problems. The cost of repair and replacement are reimbursed.
Did you know that 68% of India’s land is prone to drought, 60% to earthquakes, 12% to flood, and 8% to cyclones? You can’t predict natural calamities; but you can protect your possessions against earthquake, flood, storm, hurricane, etc.
Damages caused due to wilful negligence of the owners since the item is insured. Damages caused due to negligence of owners, like mishandling or misuse are not covered
Damages caused wilfully by the owners are not covered under the policy. Breaking or damaging the parts accidently, say by dropping them on the floor, are not covered
At the time of taking the policy, it is essential that the insured provide correct information about the product in a transparent way. In case any important information is not provided or wilfully hidden, it will not be covered under the insurance
Manufacturing or other defects due to the fault of manufacturer will not be covered. The insured will have to file a claim against the manufacturer in this case
For air conditioners that are more than 365 days old from the date of purchase, the insurance is not valid, as the policy needs to be taken within the first year of purchase.
Losses arising due to normal wear and tear or restoration are not covered under the insurance
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Seamless & Superfast Claim Settlement
Excellent. I highly recommend this policy for your home
AJAJ CHANDSO DESAI
HOME INSURANCE POLICY
Good. Happy with the service, process and home insurance policy. Thank you HDFC ERGO t
CHANDRAN CHITRA
HOME SHIELD (GROUP)
Good service. Impressed with the quick turnaround time for my queries and requests. Would definitely recommend this!
LOGANATHAN P
HOME SHIELD INSURANCE
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