Future Generali Home Insurance

Generali Group was established in Italy in 1831. It is a leader in the global insurance and financial markets. Today the group has earned tremendous popularity for its excellent services and innovative products in European and Asian countries. Generali group operates with the aim of giving prudent investment management solutions and balancing profits and financial risks.

In India, Future Generali Insurance is a merger between the Future and Generali Group. Future Group boasts of being one of the most popular organizations in the sector of retail trade. Established in September 200, the company provides diverse insurance products and excellent services to its Indian customers. Future Generali offers a comprehensive solution to customers and organizations through services in retail, commercial, personal and rural insurance. Presently, the company has emerged as the most trusted insurance solutions company in India.

Every step associated with building a home is an experience to cherish. Building a home requires a substantial financial investment along with high emotional involvement. House is one of the most important assets and it deserves high-grade protection and care from several dangers, threats, and unforeseen events. It is very crucial to choose a comprehensive home insurance policy for this purpose. Future Generali offers an all-inclusive insurance plan to protect your house from dangers.

Features and Benefits

• This policy can be availed throughout the country

• Claim settlement is quick

• A policy can be availed for your own house

• You can insure the contents of the house if you're a tenant

• Covers loss or damage to electronic appliances such as laptops, cameras, etc.

• Offers coverage against tenant’s legal and domestic liability

• Provides coverage for baggage, crockeries, cycle, fraud/misuse of the ATM card

• This claim protects your family against possible dangers

• Affordable and attractive premium rates

• Valuable items including jewelry are covered as well

What is Covered Under this Policy?

The company has designed various products and services to cater to the needs of all customers. The company protects you against the following types of dangers:

• Loss/Damage to crockeries, cycles, baggage

• Fraudulent cash withdrawal through your ATM card

• Fraud and misuse of credit card

• The cost incurred for the treatment of your pets after the accident is also covered

• Valuable items such as jewelry are covered under this policy

• This policy protects the insured individual against the tenant’s legal and public liability. It also provides for domestic help compensation

• The policy provides coverage for the contents of the house

Policy Exclusions

Certain items aren’t covered under Future Generali Home Insurance policy. A few such items are listed below:

• Loss/Damage of property due to depreciation

• Loss/Damage caused to consumable/perishable goods

• Consequential loss/damage isn't covered

• Loss/Damage to communication devices, such as telephones and cell phones

How to buy Future Generali Home Insurance?

You can buy Future Generali Home Insurance by following the steps described below:

• Generate your quote online. This will be required to choose the covers you need under the policy. At the same time, you can choose add-on coverage under this policy.

• You need to provide the details linked with building that you want to insure. After filling this up, you will be required to give all the details linked with the contents that you wish to insure.

• After confirming the premium that you'll be required to pay, you must agree with the terms and conditions of the company. After providing all the details, you can choose the mode of payment and make the premium payment

• Future Generali offers the choice of downloading your policy schedule as well. You can secure a hard copy for your reference. A soft copy is also sent for your reference via email

Future Generali Insurance Claim Process

• The claim settlement processing of Future Generali Home Insurance is quick and straightforward given that the claimant has all the necessary documents. After registering the claim, the insured must contact the customer care for following up with the company. The claim procedure is initiated within seven business working days.

• After the documents have been submitted, Future Generali Insurance will be sending a claims settlement team for estimating the extent of damage to your property and assess the authenticity of your claim.

• The final assessment report and the necessary documents are sent to the insured.

• When the procedure is complete, the necessary steps are taken by the company to settle the claim.

Frequently Asked Questions (FAQs)

I want to secure my home and the contents in it, which type of insurance policy should I buy?

Future Generali’s fire insurance secures the whole structure of your house and it also covers permanent fixtures and fittings inside the house. The cost of repairing your home (if it has been damaged by flood, fire or any other calamities) is also covered. Future Generali comprehensive home insurance policy shields your home and its contents against unusual events.

How is the value of my house structure and contents estimated by the insurance company?

The most authentic way to estimate the replacement cost of your home is to contact a building contractor to give you a detailed estimate of the cost. The estimate is done exclusive of the value of the land.

Is there a need to pay an additional premium for covering the loss and damages caused by earthquake or terrorism?

Yes, you can get add-on coverage for damages caused due to earthquakes and terrorist attacks.

Is it necessary for me to purchase all the covers while buying the insurance?

No, it isn’t mandatory to buy all the add-on covers while buying an insurance policy. Fire insurance for the building and its contents and burglary covers provided with the standard home insurance policy.

Can I opt for coverage for items like jewelry, ornaments under the home insurance policy?

Jewelry and ornaments coverage is offered as an add-on cover and it requires the prior consent of the applicant to get the covers.