{"id":31956,"date":"2024-01-18T10:35:27","date_gmt":"2024-01-18T06:35:27","guid":{"rendered":"https:\/\/www.esanad.com\/sh\/?p=31956"},"modified":"2024-01-18T10:35:52","modified_gmt":"2024-01-18T06:35:52","slug":"home-insurance","status":"publish","type":"post","link":"https:\/\/www.esanad.com\/sh\/terms-and-phrases\/home-insurance","title":{"rendered":"Home Insurance"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>What is Home Insurance?<\/strong><\/h3>\n\n\n\n<p>Home insurance is a\u202fproperty insurance\u202fpolicy to help you cover your own home or rented apartment, and your personal belongings within, from unforeseen circumstances such as burglaries, fires, floods, storms, and explosions.\u202f<\/p>\n\n\n\n<p>Buying a house is one of the most vital investments people spend all their life working for. Yet, there are so many people who forget to secure and protect for this very important investment in their life. From your cutting-edge gadgets and beautiful interiors to your\u202fjewelry and other valuable belongings; your home is more than just its mere physical property and is a lot more valuable than you imagine it to be.<\/p>\n\n\n\n<p>That\u2019s why, one of the most essential things you could do for the wellbeing and safety of your home is at least get a home insurance that would allow you to stay secured and covered for in the case of uncertain and unfortunate circumstances such as burglaries, floods, fires, and earthquakes amongst other likely, but unforeseen circumstances.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>What\u2019s Great About Home Insurance by eSanad?<\/strong><\/h5>\n\n\n\n<p>eSanad\u2019s home insurance policy is great because it offers the below mentioned benefits:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"344\" height=\"246\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/house.png\" alt=\"\" class=\"wp-image-31957\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/house.png 344w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/house-300x215.png 300w\" sizes=\"(max-width: 344px) 100vw, 344px\" \/><\/figure>\n<\/div>\n\n\n<p>\u2022 <strong>Value for Money<\/strong> &#8211; When we think of Home Insurance, we think of it as an expensive affair. After all, it\u2019s about protecting one of your most prized possessions! Fret not though, we not only ensure your home is covered for but, make sure that it is affordable for you and your pocket!<\/p>\n\n\n\n<p>\u2022 <strong>Digital Friendly, all the way!<\/strong> &#8211; One of the things people often wary about in insurance is paperwork and that\u2019s exactly what we\u2019ve gotten rid of with our online home insurance! With eSanad, everything from buying a home insurance policy to making claims is simple and can be done online!<\/p>\n\n\n\n<p>\u2022 <strong>Plans for Renters<\/strong> &#8211; Millennials are shaping the rental economy and we understand that! That\u2019s why, it doesn\u2019t matter if you own a home or not, your place can still be protected with our insurance for home renters.<\/p>\n\n\n\n<p>\u2022 <strong>24&#215;7 Customer Support<\/strong> &#8211; Emergencies come unannounced and can happen at any point in time! That\u2019s why we\u2019ll always be just a ring away, no matter what time or day it is!<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>What\u2019s Covered in Home Insurance by eSanad?<\/strong><\/h5>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1003\" height=\"893\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/fire-h.png\" alt=\"\" class=\"wp-image-31958\" style=\"width:840px;height:auto\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/fire-h.png 1003w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/fire-h-300x267.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/fire-h-768x684.png 768w\" sizes=\"(max-width: 1003px) 100vw, 1003px\" \/><\/figure>\n\n\n\n<p><strong>Fire<\/strong><\/p>\n\n\n\n<p>Fire is dreadful and can lead to plenty of damage and losses to your home and its contents. Our home insurance policy will be there for you in such unfortunate situations!<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"875\" data-id=\"31959\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/explosion11.jpg-1024x875.png\" alt=\"\" class=\"wp-image-31959\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/explosion11.jpg-1024x875.png 1024w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/explosion11.jpg-300x256.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/explosion11.jpg-768x657.png 768w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/explosion11.jpg.png 1089w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>Explosion &amp; Aircraft Damage<\/strong><\/p>\n\n\n\n<p>Damages and losses caused by explosions or even aircraft damage will be covered for too in our house insurance.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"901\" data-id=\"31960\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Storms-1024x901.png\" alt=\"\" class=\"wp-image-31960\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Storms-1024x901.png 1024w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Storms-300x264.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Storms-768x676.png 768w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Storms.png 1086w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>Storms<\/strong><\/p>\n\n\n\n<p>Covers your house and your belongings from dire storms that could lead to potential damage and losses.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-3 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"863\" height=\"763\" data-id=\"31961\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Floods-1.jpg\" alt=\"\" class=\"wp-image-31961\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Floods-1.jpg 863w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Floods-1-300x265.jpg 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Floods-1-768x679.jpg 768w\" sizes=\"(max-width: 863px) 100vw, 863px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>Floods<\/strong><\/p>\n\n\n\n<p>Protects your house from losses and damage when the rain is out of control, leading to floods that impact on your home and your belongings.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-4 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"850\" data-id=\"31963\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/eart.png\" alt=\"\" class=\"wp-image-31963\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/eart.png 1024w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/eart-300x249.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/eart-768x638.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>Earthquakes<\/strong><\/p>\n\n\n\n<p>Nobody can avoid nature\u2019s furies but, what you can do is ensure you\u2019re covered for any potential losses that could come your way due to the same. A house insurance also covers for damages and losses that occur due to earthquakes.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>What\u2019s Not Covered?<\/strong><\/h4>\n\n\n\n<p>eSanad\u2019s home Insurance policy does not cover damages caused by the reasons mentioned below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deliberate damage to the house.<\/li>\n\n\n\n<li>Damage caused due to factors like war, invasion, and war-like operations.<\/li>\n\n\n\n<li>Losses incurred due to contamination or ionizing radiation.<\/li>\n\n\n\n<li>Damage caused to bullion or unset precious stones, manuscripts, vehicles, and explosive substances are not covered by the policy.<\/li>\n\n\n\n<li>The cost, fees or expenses incurred for preparing any claim.<\/li>\n\n\n\n<li>Expenses incurred for any addition, extension, or alteration to the house (more than 10% of its carpet area existing at the commencement date or on the date of renewal)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Advantages of Protecting Your Home with Home Insurance<\/strong><\/h4>\n\n\n\n<p><strong>Secured through Uncertainty<\/strong><\/p>\n\n\n\n<p>Home burglaries can happen anywhere, anytime- even in the most secure places. Home insurance helps you recover from losses that could occur due to such uncertain and unforeseen circumstances.<\/p>\n\n\n\n<p><strong>Complete Financial &amp; Social Security<\/strong><\/p>\n\n\n\n<p>Contrary to popular belief, home insurance goes beyond just the physical property of your home. It covers everything right from your garage to your home\u2019s contents. And, is your home expensive! An average 2BHK has contents at least worth AED 200,000! There is no one to watch your home when you\u2019re out in the day, at work or traveling. That\u2019s why having home insurance helps your home stay secure when you\u2019re away.<\/p>\n\n\n\n<p><strong>Protection from Natural Calamities<\/strong><\/p>\n\n\n\n<p>Floods, storms, and the like can be a homeowner\u2019s worst nightmare! And going through the hassle of rebuilding your home and recovering from the damage can not only be stressful but also a loss of a lot money! Luckily, having home insurance can cover you for it all!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Who Should Get Home Insurance?<\/strong><\/h4>\n\n\n\n<p><strong>Homeowners<\/strong><\/p>\n\n\n\n<p>If you\u2019ve just bought a home recently, getting a home insurance should be at the top of your priority list. After all, you\u2019ve already spent so much money on your newfound abode, the least you can do to stay secure financially is get a home insurance.\u202f<\/p>\n\n\n\n<p><strong>Renters<\/strong><\/p>\n\n\n\n<p>Even if you\u2019re renting your house, it doesn\u2019t matter! Your home is still where all your belongings are. From your gadgets to your furniture, all are at risk in case of events such as fires, floods, or a robbery. While not all insurers offer home insurance policies for renters, we offer policies for the same so everyone can be covered for.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Types of Homes Covered<\/strong><\/h4>\n\n\n\n<p>From independently owned homes to rented apartments; a home insurance by eSanad is designed to suit all types of houses.<\/p>\n\n\n\n<p><strong>Individual Apartment<\/strong><\/p>\n\n\n\n<p>This is for those who live in independent flats that are either part of housing societies or standalone buildings. The same could be either a flat owned by you or rented by you. Our offerings are suited for both!<\/p>\n\n\n\n<p><strong>Independent Building<\/strong><\/p>\n\n\n\n<p>Perhaps you and your extended family live in a standalone building, owning, or renting flats in the entire building. In this case, you can choose to cover for them all with home insurance by eSanad.<\/p>\n\n\n\n<p><strong>Independent Villa<\/strong><\/p>\n\n\n\n<p>If you own or have rented an independent villa or house, home insurance is vital to protect your villa and its contents from potential risks such as burglaries, floods, storms, and other unforeseen circumstances.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Why Choose eSanad?<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-5 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1008\" height=\"924\" data-id=\"31964\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Super-Simple-Claims-1.png\" alt=\"\" class=\"wp-image-31964\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Super-Simple-Claims-1.png 1008w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Super-Simple-Claims-1-300x275.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Super-Simple-Claims-1-768x704.png 768w\" sizes=\"(max-width: 1008px) 100vw, 1008px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>Super-Simple Claims<\/strong><\/p>\n\n\n\n<p>When you think about insurance, you think about claims. With us, when you file a claim, you can expect a smooth, easy, and quick process not to delay loss any further and to serve you better.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"725\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Zero-Documentation-1024x725.png\" alt=\"\" class=\"wp-image-31932\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Zero-Documentation-1024x725.png 1024w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Zero-Documentation-300x213.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Zero-Documentation-768x544.png 768w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Zero-Documentation.png 1310w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Zero Documentation<\/strong><\/p>\n\n\n\n<p>Don\u2019t worry about the paperwork in your insurance anymore! Now you can easily buy your home insurance and make claims without any hassle!<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-6 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"678\" data-id=\"31933\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Affordable-Premium-1024x678.png\" alt=\"\" class=\"wp-image-31933\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Affordable-Premium-1024x678.png 1024w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Affordable-Premium-300x199.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Affordable-Premium-768x508.png 768w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Affordable-Premium.png 1416w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>Affordable Premium<\/strong><\/p>\n\n\n\n<p>We\u2019ve made our policy super affordable to protect your home and its contents. After all, it\u2019s about protecting one of your most prized possessions!<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"729\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/247-Support.png\" alt=\"\" class=\"wp-image-31934\" style=\"aspect-ratio:1;width:840px;height:auto\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/247-Support.png 768w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/247-Support-300x285.png 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p><strong>24*7 Support<\/strong><\/p>\n\n\n\n<p>We\u2019re available to help you 24*7, with our call facilities operational even on national holidays.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-7 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"302\" height=\"218\" data-id=\"31935\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Loved.png\" alt=\"\" class=\"wp-image-31935\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Loved.png 302w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/Loved-300x217.png 300w\" sizes=\"(max-width: 302px) 100vw, 302px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>Loved by Customers<\/strong><\/p>\n\n\n\n<p>We are trusted by our customers. This is inclusive of all policies\/members\/lives on-boarded from our inception.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-8 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"759\" data-id=\"31936\" src=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/More-TLC-Less-TC-1024x759.png\" alt=\"\" class=\"wp-image-31936\" srcset=\"https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/More-TLC-Less-TC-1024x759.png 1024w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/More-TLC-Less-TC-300x222.png 300w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/More-TLC-Less-TC-768x569.png 768w, https:\/\/sh.esanad.com\/wp-content\/uploads\/2024\/01\/More-TLC-Less-TC.png 1278w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><strong>More TLC, Less T&amp;C<\/strong><\/p>\n\n\n\n<p>Transparency and simplicity are what we stand by. That\u2019s why with us, there are no hidden clauses. We\u2019ve simplified our documents to be understood by anyone.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Things you should know about Home Insurance<\/strong><\/h4>\n\n\n\n<p><strong>Why is Home Insurance Important?<\/strong><\/p>\n\n\n\n<p>Your home is not only essential for your living but also marks one of the biggest investments of your life. Therefore, the least you can do is keep it secured through Home Insurance.<\/p>\n\n\n\n<p>Home insurance plan helps manage uncertain and unforeseen losses and damages that could happen to your house during events such as burglaries, fires, floods, storms, earthquakes, etc. It can help recover your financial losses in no time!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Factors that Affect Your Home Insurance Premium<\/strong><\/h4>\n\n\n\n<p>We have listed 7 factors that will directly or indirectly influence your home insurance premium:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Type of Home<\/strong><strong>\u202f<\/strong>&#8211; Your premium amount differs if you have your own property, are renting a place, or if it is an apartment or independent bungalow, or even the type of furnishing affects your premium rate.<\/li>\n\n\n\n<li><strong>Location of the Building<\/strong> \u2013 If your home is in zones prone to disasters such as floods, fires or even in unsafe areas where crime and thefts are common, it could affect the amount of premium you have to pay. Homes located in a safer society offer an economical premium amount.<\/li>\n\n\n\n<li><strong>Age of Home<\/strong> -\u202fLike any other insurance policy, age is a prime factor in determining premium prices.\u202f<\/li>\n\n\n\n<li><strong>Size of Home<\/strong> &#8211; The square feet area of your home has the highest and direct impact on your home insurance premium.<\/li>\n\n\n\n<li><strong>Value of your Belongings<\/strong> \u2013 The value of your belongings in your home also affects the amount of premium you will have to pay. For example, if you have expensive jewelry, artefacts, expensive gadgets, etc., insuring these items is crucial. This will directly reflect in your premium amount as well.<\/li>\n\n\n\n<li><strong>Home Safety Measures<\/strong>\u202f-\u202fWe\u2019re all obsessed with the safety of our homes. So, we go ahead and take various measures like adding a security system, to keep our homes safe. This positively impacts on your premium, making it lower.\u202f<\/li>\n\n\n\n<li><strong>Additional Coverages<\/strong> -\u202fSome home insurances offer additional covers to cover for things beyond the standard plan. This consequently affects one\u2019s premium.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Tips to Compare Home Insurance Plans<\/strong><\/h4>\n\n\n\n<p>When you\u2019re making the decision to buy a home insurance policy, following are some of the important factors you can compare to choose the right plan for your home:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage Benefits<\/strong> &#8211; The most important part of your home insurance is the kind of coverage you\u2019re getting. You need to know what you will be covered for in case of an unfortunate event. Therefore, always look at what is covered and what is not covered to help evaluate the most valuable plan to you.<\/li>\n\n\n\n<li><strong>Sum Insured<\/strong> &#8211; Your Sum Insured in your Home Insurance refers to the total amount you\u2019ll be covered for in the case of a claim you make. Therefore, be very wary about the amount you\u2019d like to go for since this won\u2019t only affect your home insurance premium but will also affect the claim amount you will receive in the case of damages and losses!<\/li>\n\n\n\n<li><strong>Add-ons Available<\/strong> &#8211; Sometimes, you need coverage beyond just the basic plan benefits. This is where add-ons come into use. Different insurance providers give different ranges of add-ons for people to choose from. Likewise, we at eSanad offer a unique jewelry protection add-on for Home Insurers. Compare your options and see what works for you best!<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>How to Select the Right Sum Insured?<\/strong><\/h4>\n\n\n\n<p>In insurance, the sum insured refers to the maximum value you\u2019d be compensated for in case of losses. It also determines the value of your insured home. So, you need to be sure that the sum insured you choose reflects the true value of your home. To choose the right sum insured, you should consider your total carpet area in square meters and the approximate value of items in your home.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>FAQs about Home Insurance<\/strong><\/h4>\n\n\n\n<p><strong>Is structure and building the same thing in a home insurance?<\/strong><\/p>\n\n\n\n<p>Yes, structure and building refer to the same thing, i.e., the physical aspects of your house such as the pillars, windows, outer walls, etc.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>What should I do in case of damage to my house?<\/strong><\/h4>\n\n\n\n<p>If your house has faced damage due to events such as a fire, robbery, storm, flood, or earthquake, then you should immediately call us at our helpline number 02 610 9000 (we\u2019re available 24&#215;7!) and we\u2019ll take care of the rest.<\/p>\n\n\n\n<p><strong>Can I cancel the policy at any time during the tenure?<\/strong><\/p>\n\n\n\n<p>Yes, you can cancel your policy at any time. The premium amount will be refunded based on a percentage system as defined in your policy document.<\/p>\n\n\n\n<p><strong>Can all the Individuals in the family be covered under Personal Accident cover? Is there any sum insured capping?<\/strong><\/p>\n\n\n\n<p>Personal Accident is optional cover. Personal Accident Coverage is limited to the Insured and their spouse. In case of death of Insured &amp; their spouse (after occurrence of Insured) \u2013 AED 500,000 per person can be claimed from the insurance company.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"tmnf_excerpt\"><p>What is Home Insurance? Home insurance is a\u202fproperty insurance\u202fpolicy to help you cover your own home or rented apartment, and your personal belongings within, from unforeseen circumstances such as burglaries, fires, floods, storms, and explosions.\u202f Buying a house is one of the most vital investments people spend all their life working for. Yet, there are &hellip;<\/p>\n<\/div>","protected":false},"author":3,"featured_media":31957,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[27],"tags":[],"class_list":["post-31956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-terms-and-phrases"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home Insurance - Sanad Helps<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.esanad.com\/sh\/terms-and-phrases\/home-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Insurance - Sanad Helps\" \/>\n<meta property=\"og:description\" content=\"What is Home Insurance? Home insurance is a\u202fproperty insurance\u202fpolicy to help you cover your own home or rented apartment, and your personal belongings within, from unforeseen circumstances such as burglaries, fires, floods, storms, and explosions.\u202f Buying a house is one of the most vital investments people spend all their life working for. 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