The monsoon season brings relief from the heat, but for many people, it can also create problems due to rain-related issues, especially in the case of damage to homes and vehicles. Problems like waterlogging, floods, leaking roofs, and electrical damage are common during heavy rains.

At such times, people often look towards their insurance policy with the hope that they will get full compensation for the damage to their home or vehicle. But the reality is that not every kind of damage is covered in the insurance plan. Today, we will tell you what your home or car insurance covers during monsoon, so that you are prepared for every situation.

What does home insurance usually include?

Home insurance can protect you during monsoon, but to what extent the insurance will help depends on the policy you have purchased.

Structural damage: If the structure of your house is damaged due to heavy rains, floods, or water leakage, then most comprehensive insurance policies cover the cost of repairs.

Electrical equipment: Damage to equipment like a refrigerator, washing machine, or TV is usually covered if it gets damaged due to a water leak or a short-circuit caused by lightning.

Furniture and interior items: Rain damage to furniture, carpets, and other personal effects is also covered if your policy includes contents coverage.

What is not covered in home insurance?

Pre-existing problems like cracks in the ceiling or water seepage in the walls

If the insurance company believes that the damage was caused by your negligence, the claim may be rejected.

Natural calamities like floods or earthquakes need to be covered separately. If you have not taken these add-ons, these damages will not be covered in the basic policy.

What does vehicle insurance usually cover?

Engine damage (with add-ons): The standard comprehensive policy does not cover damage to the engine due to water unless you have taken an "engine protection cover". This add-on is very important during monsoons.

Accidental damage: If the car skids and hits something due to wet roads, then comprehensive plans usually cover the damage caused by it.

Damage from falling object: If a tree or debris falls on your car during a storm and damages it, then it is usually covered.

What is not covered in vehicle insurance?

Driving in waterlogged areas: If you try to start the car in a waterlogged area and the engine breaks down, then it can be considered negligence and the insurance company can reject your claim.

Review your insurance plan every year and include the necessary add-ons in it.

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