5 Common Home Insurance Claims

Saptarshi Ghosh Posted on May 07, 2025

Lets us take a look at some of the home insurance claims that are commonly made by insurers:-

1. Damage due to fire inside the house:

Tarun’s mother lit a diya and did her evening puja as usual. She left soon after. Tarun’s brother came into the same room and switched on the fan unaware of the burning diya. He left the room to attend a call on his phone. The flame spread to the curtains nearby. When Tarun’s brother came into the room after a few minutes, he saw that the curtains next to the diya were burning profusely. He immediately poured a bucket of water and then got some more. Should such a similar situation arise, you can claim home insurance for household articles that are a part of your home and recover your losses, in case a home content insurance is bought earlier.

2. Fire to the property:

In this case, the entire home can be burnt to ashes and not just its contents. Home insurance claims where a house is under fire could primarily be due to faulty electrical wiring, often loose, leading to a short circuit. If you stay in an area which experiences frequent voltage fluctuations and the installed cable wires are not of good quality, the chances of a fire eruption are more. Left unnoticed, the fire becomes uncontrollable and spreads further burning windows, doors, ceiling, furniture and flooring. On Bajaj Markets, you can enjoy a swift home insurance claim process for any damage arising to the structure of your home by replacing the damaged property with a new one that is almost equal in value to the former.

3. Flooding and landslides:

More than 2.23 lakh people were left homeless in Kerala after the state experienced incessant rains this year during monsoons. The heavy rains in August 2018 led to 6,970 landslides, out of which 5,191 were in Kerala, 993 in Karnataka and 606 in Tamil Nadu. The fury of floods in Jammu and Kashmir and Chennai in 2014 also caused a lot of damage. Such a natural calamity can strike all of a sudden and render you defenceless. However, you can claim home insurance on Bajaj Markets even after being displaced, thanks to the entire process being online. You need to opt for an insurance that covers both the building and household articles in it, especially if you reside in an area prone to flooding.

4. Theft:

Mr and Mrs Sharma, an elderly couple in their 70s were staying alone in their ancestral house in a posh Delhi neighbourhood. Both their sons were settled in the U.S. One day Mr Prasad, a friend of Mr Sharma paid him a visit in the evening. As they started sipping tea, Mr Prasad recounted how a gang of thieves looted a house in the adjoining street in the wee hours of the night and left with no trace. Mr Sharma got worried. Mr Prasad told him that one can easily claim home insurance in such a situation to recover losses. The crime graph is rising not only in metro cities but also in smaller towns. 130 robberies, 200 burglaries and 150 house thefts were recorded in Delhi in September alone. Insurance against burglary is godsend to ensure financial stability.

5. Other damages:

A pressure cooker is a staple cooking utensil in most Indian households. However, it is found that buying an inferior grade cooker can sometimes lead to an explosion damaging articles in the house. Trees can also inflict damage to your house especially during windy weather. There could also be water leakage due to repair being conducted in the adjoining apartment that may lead to seepage in the walls and ceilings. This may cause electric currents and can be dangerous to the electric circuits operating in your house.

All these home insurance claims and even more are covered when you buy home insurance available on Bajaj Markets. Choose a policy term of 3 months to 20 years as per your preference and secure your house against unforeseen circumstances in the future. A 93% claim settlement ratio ensures a fast home insurance claim process so that you are not left stranded financially during such a situation.

Get a cover up to Rs. 10 crore as per your needs with home insurance available on Bajaj Markets. If you stay on rent, you can opt to insure your household items and if you are the proud owner you can opt to secure your abode as well as its contents for complete safety against any disastrous situation in the future.