As much as India has been defined by its relationship with rain over the millennia, it is the country’s relationship with either too little water or too much of it that defines our existence today.
Over the centuries, Indians have evolved a vast variety of ways to prepare themselves and their homes for the monsoons. From repairs to weather-proofing and water-resistant paints, thereare several short-term solutions that Indians fall back on year on year. By way of long-term solutions however, home insurance in India seems set for a big take-off.
Securing the home has always been a priority in the regions of India that rely on the Southwest Monsoon. Weeks of heavy rain that relents only for short periods have meant that Indian households have for centuries focused on repairs and rebuilding in the summer months before the rains sweep in.
While traditionally the repairs might have included changing the thatching on houses to digging ditches to allow the free flow of water away from houses, modern homes have required different solutions. Some prominent methods of preparing for monsoons have included specialist weathering courses on the flat roofs of modern houses and cementing cracks in the walls both inside and outside the house, tarring of the roof tops, or even weatherproof and water-resistant paints.
However, these solutions do not cover all the contingencies that heavy rains can bring. Hence taking home insurance in India is no longer a luxury, but a need.
As much as India has been defined by its relationship with rain over the millennia, it is the country’s relationship with either too little water or too much of it that defines our existence today.
From the once-in-a-decade floods that hit Mumbai and Chennai to the once-in-a-century floods that submerged Kerala and the much more regular flooding along the Kosi or Damodar in the
plains to the north and east. Heavy rains have also triggered massive landslides in Uttarakhand, Kashmir and the Northeast. Super-cyclones are regular features all throughout the east coast.
It is one thing to plug leaks in the ceiling and walls or cover the house up some specialised paint. Indians are now increasingly waking up to the need for solutions that can address much more severe forms of damage that nature can cause to homes. After all, it isn’t just about protecting the buildings we live in, but also about securing our homes
Home insurance in India can ensure citizens can get reimbursed for any sort of damage that the fury of nature may cause. Home Insurance in India as an option that is slowly and surely and increasingly being seen as an important safety net, especially in places that have been hit by multiple disasters and are prone to such calamities.
From covering losses to paying to repair damages, home structure insurance and home content insurance in India is coming up with an increasing number of options to choose from each passing year. Such a safety net could help millions of Indians not only get rid of the worries of protecting their homes, but also be assured of quicker recoveries in case the worst happens.
This article has published under a partnership with Reliance General Insurance.
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