Home And Contents Insurance
Biima
What is Home And Contents Insurance and Why Should YOU Get One?
YOUR home is YOUR most valuable asset; protecting it and everything inside against unforeseen calamities is essential for YOUR peace of mind. While we always do our best to ensure the safety and comfort of our living environment, certain incidents, natural or otherwise, can compromise it all – a storm might destroy the home YOU built through years of hard work, or a theft could strip YOU off of YOUR valuables. Nothing can completely negate the possibility of such incidents, but Home and Contents Insurance can ease the financial burden associated with them.
Home Contents Insurance is a type of personal insurance that offers financial protection for both the physical structure of YOUR home and the personal belongings inside in case of a fire, theft, natural disaster or accidental damage. YOU can opt for a separate home or contents insurance or opt for a combined policy covering both.
- Home Insurance: It covers the repair or rebuilding cost if YOUR home is destroyed because of any included perils like fire, natural disasters, etc.
- Content Insurance: Protects YOUR personal belongings inside YOUR home, such as furniture, electronics, clothing, appliances, and valuables, against theft, damage, or loss.
- Combined (Home and Content) Insurance: It offers comprehensive coverage – the home’s structure and the contents inside it in case of any claimable event.
YOUR home and belongings are irreplaceable, but they are always vulnerable to risk. While nothing can guarantee their safety, YOU can have some peace of mind knowing they are covered under Home and Contents Insurance. Get in touch with us to discuss YOUR options and ensure YOU are covered and ready for anything.
Home And Contents Insurance
Insurances
Insurances We Provide
At BIIMA, we bring YOU a full spectrum of insurance policies from leading market players to protect YOU, YOUR assets and YOUR business – manage risks and live with added peace of mind.
Why Choose Us as Your Home and Contents Insurance Broker?
01
Tailored Solutions
Providing personalised insurance support for businesses and individuals since 2015.
02
Diverse Portfolio
A rich insurance portfolio – 85% commercial and 15% personal insurance.
03
Customer-First
We keep YOUR interest, YOUR need, and YOUR satisfaction at the CORE of our Insurance Solutions.
04
Multilingual Experts
We have a multilingual team, so language would never be a barrier to us.
Connect with us to secure the best Home and Contents Insurance for yourself.
Insurance by Industry
Industries We Cater
We assess risks and vulnerabilities inherent to YOUR industry and ensure YOU are covered where it matters the most. Whether YOU are a small enterprise or a large-scale business, access tailored insurance solutions with us. Diverse industries, ONE Insurance Broker firm!
Tailored Home and Contents Insurance Solutions for Desired Coverage
At BIIMA, we specialise in offering tailored Home and Contents Insurance solutions to help YOU find a policy that best accommodates YOUR expectations. We don’t follow a “one-policy-for-all” approach but bring to YOU all suitable policies available in the market and help YOU select the best one for YOUR situation.
The right policy for YOU will vary based on YOUR lifestyle and financial circumstances. For instance, if YOU own a high-value property or if YOUR home is located in an area prone to natural disasters, a higher-premium coverage is YOUR optimal choice. We will sit with YOU to understand YOUR unique position and determine the best coverage for YOU. As a team dedicated to securing a seamless insurance experience for YOU, we offer 360-degree assistance. We will –
- Take YOU through all the potential Home and Content Insurance covers available in the market.
- Help YOU compare the available options and secure the most suitable one at competitive rates.
- Verse YOU in all the specifics related to the policy YOU are considering.
- Offer any ongoing support YOU need, including assistance with claim lodgements.
Choose us for YOUR Home and Contents Insurance to get a tailored policy – adjust coverage, add optional extras, or change limits and ensure YOU get the right protection. Forget the hassles associated with securing insurance – with us, get insured from the comfort of YOUR home while exploring YOUR options. Get in touch with our experts and let them walk YOU through everything and ensure a seamless experience. Connect with us today.
Most Asked Queries
Frequently Asked Questions
What does a Home and Contents Insurance cover?
A Home and Contents Insurance can cover the following –
- Fire and smoke
- Theft or vandalism
- Natural disaster
- Impact damage
- Electrical damage
- Environmental upgrades
It may also include liability coverage if someone is injured at YOUR premises. However, note that each policy is unique and may or may not cover all these scenarios. It is important to understand YOUR requirements, discuss YOUR options and choose wisely. At BIIMA, we can help YOU with this. We will bring to YOU all potential options, verse YOU in all their specifics and ensure YOU choose the best Home and Contents insurance cover for yourself.
What doesn’t a Home and Contents Insurance cover?
A Home and Contents Insurance doesn’t cover –
- General wear and tear.
- Damage due to poor maintenance or neglect.
- Intentional damage by the residents.
While these are the basic exclusions, the exact offerings might vary from policy to policy. For instance, flood or earthquake damage is usually covered only if explicitly included in the policy. It is important that YOU know what a particular policy does and doesn’t cover before YOU make YOUR choice. Our team will ensure YOU know everything about the policy and make an informed choice. YOU can always connect with us with YOUR doubts, and we will be sure to guide YOU through.
How do I get Home and Contents Insurance?
- Call us to get in touch directly with our experts or fill out our online form.
- Share YOUR insurance requirements with us.
- We will share basic details like quotes, coverage, special conditions/clauses, and quoted premiums via email.
- YOU choose the insurance company YOU want to proceed with, the date from which YOU wish to commence, and the payment option, which is monthly or annual.
- We will initiate the insurance proceedings and share the documents via mail.
We will guide YOU through the entire process and help YOU proceed without any hassles.
Do I need Home and Contents Insurance?
Home and Contents Insurance is not a necessity or a legal requirement, but if YOU wish to secure YOUR home and belongings against any unforeseen situations, it is a must-have policy. But in certain situations, YOU might not need one. For instance –
- If YOU live in a rental property, YOU might need to insure the building, but Contents Insurance is recommended.
- If YOU own minimal, low-value belongings, YOU can settle for just Home Insurance and leave out the content part.
YOU can also choose between a low-coverage policy and a high-premium insurance, depending on the value of YOUR property and the risk involved.
Do YOU help with Home and Contents Insurance lodgements?
Yes, we will help YOU with YOUR Home and Content Insurance lodgements.
- Get in touch with us immediately if a claimable event happens.
- Share the basic details about the claim over the call.
- We will analyse YOUR situation and email a list of information and documents required (depending upon the type of claim).
- Once YOU submit the necessary documents and details, we will lodge the claim with the relevant insurance company.
- We will liaise with the insurance company, assess all factors and finalise the claim for YOU.
To know more, get in touch with us today.