Securing Your Corner of the World

Your home is the single largest investment and the epic center of your family life. It represents years of hard work, financial planning, and countless memories. Yet, this precious asset remains vulnerable to the unpredictability of nature, unfortunate accidents, and modern-day threats.

At bimavale.com, we help you choose insurance plans that act as a strong, tax-efficient financial safety net—designed to provide a lump-sum benefit that supports your family, secures your financial future, and keeps your long-term goals protected against life’s uncertainties.

We assist you in selecting modular and customizable Personal Accident (PA) insurance policies that go beyond basic protection, offering coverage against the four major financial risks arising from accidental injuries: Death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD), and Temporary Total Disablement (TTD).

The Twin Pillars of Protection: Structure and Contents

A truly comprehensive home insurance plan must address two distinct financial liabilities. bimavale's policies offer unified or separate coverage options for both, catering to homeowners and tenants alike.

Home Structure Insurance: The Foundation of Security

This component is the essential safeguard for the physical integrity of your property.

What is Covered?
- The core building—walls, roof, foundation, and permanent structures.
- Fixed fixtures like plumbing, electrical wiring, sanitary fittings, and fitted tiles.
- Auxiliary structures on the premises, including boundary walls, garages, gates, and even valuable permanent installations like solar panels.
Reinstatement Value Advantage: While many standard policies may factor in depreciation, we help you choose plans that prioritize Reconstruction Cost (Reinstatement Value). This is crucial. It ensures the sum insured is adequate to rebuild your home entirely to its original specifications, excluding the land cost, providing a true financial recovery guarantee.
We help you in find insurance plans that offer protection for your property against a wide range of risks such as fire, explosions, lightning, earthquakes, floods, storms, cyclones, malicious damage, riots, and impact damage (for example, a vehicle colliding with the property).

Home Contents Insurance: Protecting Your Assets

This coverage is vital for protecting everything inside the home that makes it yours, and it is the ideal solution for tenants who do not own the structure.

What is Covered?
- Movable furniture, home appliances, and white goods (ACs, refrigerators, etc.).
- Personal electronics such as televisions, computers, and musical instruments.
- Clothing, kitchenware, and other personal effects.
Replacement Cost Basis (New for Old): This is a key difference. If your damaged contents are covered on a Replacement Cost basis, the claim settlement provides the amount necessary to purchase a brand-new item of similar capacity and model, removing the burden of depreciation calculation.
Special Coverage for High-Value Items: Precious assets like jewellery, silverware, and works of art require special attention. bimavale offers specific sub-limits and optional worldwide coverage extensions for these valuable, portable assets.

The bimavale Edge: Advanced Risks and Modern-Day Riders

Modern life presents risks that generic policies often miss. bimavale provides the flexibility to customise your policy with unique add-ons for comprehensive security.

Financial and Logistical Protection

Alternate Accommodation and Rent Loss: If a covered event (like a fire) renders your home uninhabitable, this rider covers the cost of your temporary rental accommodation. If you are a landlord, it reimburses you for the rental income lost until the property is repaired.
Debris Removal Expenses: Clearing structural wreckage after a major disaster (fire or earthquake) is costly. This rider covers the necessary, reasonable expenses for removing debris to allow for rebuilding.
Key and Lock Replacement Cover: A small but crucial add-on that reimburses the cost of replacing your main door locks if your keys are lost or stolen, ensuring immediate security following a threat.

Technology and Appliance Safety

Portable Electronic Equipment Coverage: Provides all-risk coverage (accidental damage or theft) for personal electronics like laptops, tablets, and cameras, not only inside your home but potentially anywhere in India (subject to policy terms).
Home Systems and Appliance Warranty: Extends protection beyond basic coverage to include the sudden and unforeseen mechanical or electrical breakdown of essential, expensive home appliances (like air conditioners or washing machines), often covering costs once the manufacturer's warranty lapses.

Liability and Environmental Shield

Personal Liability Cover: Protects you financially against legal liability if a guest or third party sustains an injury or property damage on your premises, covering potential legal fees and compensation costs.
Sewerage Water Back-up Cover: A critical add-on that covers damage resulting from water backing up through sewers, drains, or sumps, which is typically excluded from standard fire policies.
Terrorism Cover: Provides financial cover for damage to the structure and contents caused by acts of terrorism, offering peace of mind against this major, unpredictable threat.

Get Your Free, No-Obligation Home Insurance Quote Now!

Protect your financial future and the emotional heart of your life. Secure your home with the customised, comprehensive coverage found only through the experts at bimavale.com.

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