Home Insurance

Home insurance is available with various coverage options to offer you financial defense in the event of unforeseen incidents and damages

Policy Coverage

You can choose to buy insurance for only the building (structure) of your home, or only the contents (belongings) or both. The policy covers the losses to the structure and/or contents of your home due to any natural and man-made calamities.

Earthquake Cover :

Under the earthquake cover, the policy covers loss or damage (including loss or damage by fire) to any of the property Insured by this policy occasioned by earthquake including Landslide / Rockslide resulting therefrom but excluding flood or overflow of the sea, lakes, reservoirs and rivers caused by Earthquake. Sum Insured for this cover is identical to the Sum Insured against the risk covered under main policy except for the value of the plinth and foundations of the building(s)

Burglary cover and theft cover (only for contents):

The contents of your home are also covered against loss due to burglary or theft or an attempted burglary. It also covers loss of jewellery, silver articles and precious stones kept under lock and key, up to 25% of the total content sum insured or 1 Lakh, whichever is lower. Jewellery, silver articles and precious stones are only covered for Burglary cover and not for Theft.

House Insurance

WE INSURE MORE THAN JUST YOUR HOME – WE INSURE YOUR FUTURE: Your home is more than just a house. It’s memories, it’s milestones, it’s the one corner of the world that is uniquely you. And if something happens, you want to know you can get back on your feet right away. That’s why you shouldn’t choose just any insurance company for home coverage. You need a life-long partner who knows how to identify exactly what’s important to you and your family, and who can give you the peace of mind that is only possible through exceptional customer service. You need Amica.

EVALUATING YOUR OPTIONS TOGETHER

Amica home insurance representatives help you easily determine the ideal coverage for you. We not only take the time to fully understand your requirements but also work with you to clearly explain exactly how your home insurance policy works and what it covers – whether you’re buying a Get a homeowners insurance quote today so you can get the coverage you need at a price that’s right for you.

Home insurance discounts

We offer many discounts to help you save. Bundle your home and auto insurance with Nationwide and save up to 20%. On Your Side® Reviews Make sure your homeowners insurance coverage keeps up with your life. A Nationwide insurance agent can help you choose the coverage and discounts that fit your needs and your budget. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

Health Insurance

Health insurance is a must as it saves money and covers unexpected calamities. Health insurance comes in handy to meet emergencies of severe ailment or accident. Sometimes it is associated with covering disability and custodial needs.

Critical illnesses cover :

The main difference between a critical illness separate plan and a comprehensive plan is that while the first will give you a lump sum payment of your total sum assured in case you get admitted for a critical disease, the latter will pay only the amount spent on the treatment within the sum assured limits.

Health Advantage Plus Insurance Policy

Health Advantage Plus Policy offers comprehensive coverage that not only goes beyond covering just your hospitalisation expenses, but also offers coverage for Out Patient Treatment expenses (OPD) up to the OPD Sum Insured limit and Tax Benefits.

Personal Protect Insurance Policy

The Personal Protect Insurance policy covers you against Accidental Death and Permanent Total Disablement (PTD) on account of Accident and also includes coverage against terrorism and acts of terrorism and optional cover against Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance

About HealthInsurance

HealthInsurance.com makes buying health insurance easy. You can learn all about health insurance, get free online health insurance quotes, compare health plan prices and benefits side-by-side, choose from a large selection of affordable health insurance plans from leading health insurance companies, and apply for health insurance online. We have created a place where individuals, families, small groups, and students can choose the health insurance plan that is right for them.

HealthInsurance.com offers a wide variety of health plans including individual and family health insurance, group health insurance, HMOs, PPOs, POS, Indemnity plans, short-term health insurance plans, dental health insurance, and international travel health insurance. Popular health insurance companies such as Blue Cross and Blue Shield, Anthem, Aetna, Humana, Golden Rule Insurance Company, HealthNet, Assurant, Celtic, Unicare, Kaiser and PacifiCare Life and Health Insurance Company offer the plans we feature.

By providing choices for both health insurance companies and types of health plans, combined with free online health insurance quotes, side-by-side health insurance benefit comparison, and live agent support, we enable you to choose a health insurance plan from the health insurance company that is right for you.

Combining the service and security of a bricks-and-mortar insurance company with the convenience and technology of the Internet, HealthInsurance.com helps individuals and small businesses find affordable health insurance and manage their benefits.

Auto Insurance

Vehicle insurance (also known as auto insurance, GAP insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.

Loss or Damage to your vehicle against Natural Calamities

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

Personal Accident Cover

Coverage of up to Rs.2 Lakhs for the individual driver of the vehicle while travelling, mounting or dismounting from the car. Optional personal accident covers for co-passengers available.

Third Party Legal Liability

Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property. Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

Car insurance with Farmers means:

Customize your Auto Insurance policy with plenty of coverage options Farmers understands that in life, as in Car insurance, foresight and awareness are everything. So when it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it! That’s why Farmers Auto insurance gives you incredible coverage options to help you spot coverage gaps and cover other unexpected costs.

Consider additional protective options like:

No Fault, No Foul
Accidents happen, that’s why you have insurance. And Farmers knows that accidents aren’t always your fault. That’s why with this option, your rate remains unchanged when you’re not at fault.

Small Claim Forgiveness

With this option, your rates will never go up because of a fender bender or other small accident (with damages under $1,000) even if it’s your fault.

Incident Forgiveness

Get a speeding ticket? Pretty frustrated? We understand these things happen! So with this added option, Farmers won’t increase your rates for getting a citation, as long as no claim is filed.

Comprehensive Claims Forgiveness

If someone steals your car, or hail puts some golf-ball sized dents in the hood, don’t worry if you have this optional coverage, because Farmers won’t increase your rate. Learn more about our additional Auto insurance benefits, and see how you can optimize and customize your policy! Start today, by getting a quick free Auto insurance quote online, or call 1-888-327-6335 to speak with a helpful Customer Service Agent.

Life Insurance

Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits.

Permanent life insurance

Permanent life insurance is life insurance that remains active until the policy matures, unless the owner fails to pay the premium when due. The policy cannot be cancelled by the insurer for any reason except fraudulent application, and any such cancellation must occur within a period of time defined by law (usually two years). A permanent insurance policy accumulates a cash value, reducing the risk to which the insurance company is exposed, and thus the insurance expense over time. This means that a policy with a million dollar face value can be relatively expensive to a 70-year-old.

Whole life coverage

Whole life insurance provides lifetime death benefit coverage for a level premium in most cases. Premiums are much higher than term insurance at younger ages, but as term insurance premiums rise with age at each renewal, the cumulative value of all premiums paid across a lifetime are roughly equal if policies are maintained until average life expectancy.

Universal life coverage

Universal life insurance (UL) is a relatively new insurance product, intended to combine permanent insurance coverage with greater flexibility in premium payment, along with the potential for greater growth of cash values. There are several types of universal life insurance policies which include interest sensitive (also known as "traditional fixed universal life insurance")

About Life Insurance

You can get peace of mind, knowing you've helped protect your loved ones.
Life insurance can help provide for the people who depend on you financially, if you can't be there for them. The money can be used for final expenses, help to replace your lost income, cover debts, pay your mortgage, fund a child's education, and more.

Life Insurance: Protect Those That Matter To You Most
If you think about it for a minute, you insure everything that's significant in your life; why not insure yourself? You are priceless after all (or at least pretty close to priceless). Life insurance helps provide you peace of mind and can provide your family with financial stability and security when it matters most.

So, how does it work?
If you suffer from insomnia, then you can try reading the endless explanations and confusing legal mumbo-jumbo on the internet. You'll be instantly cured.
Or, if you're truly curious, consider these simple questions:
1. Do you work full-time, inside or outside the home?
2. Are you a caregiver for your children and/or spouse?
3. Do you own a home?
4. Are you recently married, do you have children, or are you recently retired?

Every dollar earned, every daily task that contributes to your household running smoothly, every investment...all of it factors into the security and stability that you and your family rely on each day.

A life insurance policy helps to ensure that in the event something happens to you, the needs of your loved ones can be provided for up to the amount you feel you are worth. Or your family can be provided for based on the policy amount you choose.