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Everyone dreams of having a home of their own. A place to live in that has been built with loving care. The best definition of home in my view is a place that you look forward to reach after a tiring working day. No matter where you are, you feel the 'calling' to back to your home. A final destination where your journey comes to an end.

A home is much more that just brick walls. It is the result of your hard worked days that you have spent staying up late in office to earn that extra buck to build the house of your dreams. You might have spent hours together to make the best equipment choice or decorating items to make your house the best one in the world. Have you ever thought that your house can fall prey to disasters? The floods in Mumbai on 26/7 can never be forgotten. The incident has left everyone numb and left a mark on the minds that will probably remain forever. The pain of loved ones was too much to take which was topped with destruction of their house. Those with insurance policies were definitely at an advantage as insurance was much more than just a blessing at that upsetting moment. Home insurance that is not considered important by some were proved wrong.

The pain to head off from your own house either forcibly or voluntarily is quite agonizing. And incidents such as floods that came far beyond one's shock are too difficult to be accepted calmly even after months and may be even after years.

Isn't insuring your home a better choice then seeing it all vanishing in front of your eyes? Once you insure your home, you are guarding it against disasters, theft (which includes jewellery, domestic appliance) and other such contingencies.

One generally feels that their own house is secured from perils like theft, fire and incidents such as mentioned above can never happen to their own house. No one knows what the future holds. Imagine a fire has broken out or nature has shown its cruel side. How well prepared are you to deal such situations? There are insurance companies that offer policies against such events. For instance, United India Insurance Co Ltd offers Householder's policy under which it covers the following losses.

Building and its contents

Jewellery and valuables

Domestic appliances

Baggage while on travel

Accidental injury causing death/disability

Liability to third parties

The Householder's Insurance Policy is a comprehensive shelter that protects your house and the various contents in it against a host of risks. Oriental Insurance offers this policy. The company also offers 'Burglary and House Breaking Insurance Policy' that covers risks against fire, burglary, etc.

Your home needs to be protected against such events. If you haven't, you can do it now and add the last and the most important element of insurance to your sweet home.