Insurance your bike with a suitable bike cover

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Buying Home Insurance? Heres What You Need to
Know
Quick, think of a natural disaster that destroyed
homes, commercial property and government
infrastructure. Cant zero in on any one of them?
Thats because of late, there have been so many
incidents, it is difficult to remember just
one. Earthquakes damaging homes, floods
ravaging even urban areas, fires spreading like,
well, wild fire, means natural calamities can
wreak havoc with your dream home and cause some
serious damage to your pocket.
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What to Insure? The first thing to do is to
decide exactly what kind of coverage you need.
You can opt for either basic fire insurance, or
the Householders Package Policy (HPP). An HPP
will protect you against natural calamities such
as fire, lightning, storms and floods. But the
best thing about an HPP is that it protects you
against riots as well. Some insurance companies
will charge an extra premium in order to cover
earthquakes and landslides. 
You can also insure your structure and its
contents against terrorism if you opt for an
add-on cover. An HPP also offers optional cover
that insures the contents of your house against
burglary, damage, and mechanical or electrical
breakdown.
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• Underinsuring Does Not Work
• It is self-defeating to undervalue your precious
  home. Look at it this way you are insuring your
  home to get adequate relief, should anything go
  wrong, and not to save a few bucks. If you
  under-insure your property, you will not get
  sufficient cover to restore and repair your home
  if and when the need arises.
• Compare Policies before Buying One
• It is imperative to compare home insurance
  policies before choosing one. You must have seen
  any number of ads on TV, telling you to compare
  policies before zeroing in on the one you think
  is the best. Thats the right message to take. 

Since most Indians think of home insurance as an
indulgence, or an unnecessary expense, they end
up undervaluing their own property to save on the
premium.
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