New Delhi, July 15 -- With extreme weather events such as heavy rainfall that causes flooding becoming frequent now, home insurance is a safety net that you can rely on for recovering losses from such unforeseen situations. India recorded 5.4 million internal displacements, the highest in over a decade, driven primarily by various natural disasters, in 2024. The country sees huge losses to property due to cyclones and landslides brought by torrential rains among others. Disasters such as flash floods have become more common in major cities.

A good home insurance covers a whole host of incidents including flood, cyclone, tsunami and earthquakes. Here is a guide on what home insurance covers, exclusions and things that you should keep in m...