India, March 1 -- Recent earthquakes in Delhi and Kolkata caused strong tremors, while cities like Mumbai, Bengaluru, and Chennai have faced severe flooding over the years, resulting in extensive property damage. Natural disasters are unpredictable, but home insurance can provide financial protection against such losses.

"Home insurance is a comprehensive policy that covers fire and allied perils, including floods and earthquakes, for both home structures and contents," says Amrish Dubey, SVP, Personal Lines, TATA AIG General Insurance.

Man-made damages are also covered. In Bengaluru, many residents have alleged that construction work for the metro rail has caused cracks on walls of adjacent buildings. Home insurance can cover damages i...