00:00In Delhi NCR, earthquake shocks are coming again and again.
00:09Today also in Delhi, earthquake shocks were felt.
00:12At 5.35 in the morning, the earth quaked and earthquakes were felt for many seconds.
00:19Earthquake shocks were so powerful that the house started shaking completely.
00:23CCTV footage also showed evidence of this.
00:26However, this has not happened for the first time.
00:28There have been many destructive earthquakes in history,
00:31which have caused loss of lives and property in lakhs of houses and large numbers.
00:36Let me tell you that Delhi NCR is in the seismic zone, which is considered a high seismic risk area.
00:43In such a situation, if you are living here, then the danger of earthquake will always be there.
00:47We cannot avoid this danger, but we can definitely prepare for this danger in advance.
00:53By buying insurance cover to cover the damage caused to the house by earthquake.
00:58So let us tell you in this video, which insurance to buy for the safety of the house from the earthquake,
01:05which will prove to be beneficial for you.
01:08To cover the damage caused by the earthquake, home insurance i.e. earthquake insurance is taken.
01:14By the way, there is no separate policy for the earthquake, but it is covered in home insurance.
01:20By taking home insurance, it gives cover compensation to policyholders when their house is affected by an earthquake.
01:27Earthquake insurance policy covers the entire damage or a little damage to your house.
01:35Now the question arises, why is this insurance necessary?
01:39See, an earthquake is completely unexpected and it is impossible to predict it.
01:45This is a big financial loss.
01:47The cost of repair and reconstruction is very high when the house is damaged or damaged.
01:53Now the question is, if you take insurance, then what is covered in this insurance?
01:58So the structure of the house is covered.
02:00If the walls, roof, floor of the house are damaged by the earthquake, then everything is covered in that insurance.
02:08In addition, if any of the internal items of the house, such as furniture, electronics, household items,
02:13if any of these things break, then they are also covered in insurance.
02:18After that comes the rehabilitation cost, i.e. if the house is no longer suitable for living, then you also get the cost of rent.
02:25Now if we talk about the duration and premium of this insurance,
02:29then the premium of home insurance depends on many factors,
02:33such as the type of property, location, amount of insurance, and whether you are including earthquake coverage or not.
02:41The duration of home insurance policy can be 1 year, 5 years or 10 years.
02:45If we talk about the premium, then for a house of 50 lakhs, you may have to pay a premium of 2500 to 4500 every year.
02:53On the other hand, for a house of 1 crore, the annual premium can be from 5000 to 8000 per year.
03:00So what is your opinion on this news?
03:03Give us your opinion in the comment box and don't forget to share this video.
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