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It is sensible to go in for an all-risk cover, because it includes losses due to mishandling, short-circuit & theft

Your claim falls under the head of fire and allied perils, which is subject to a few exclusions

Do check the quantum of cover in the householder policy taken by the RWA

There is a possibility that the insurer would ask your brother to insure these items directly or pay for them

Your claim on the wiring short-circuit due to rains and water logging will be covered under the home insurance.

Some insurers offer ‘cancellation of vacation’ cover as part of the home insurance policy.

Stay protected during floods by getting appropriate insurance against flood damage

Don't let vagaries of life impact your possessions- insuring assets is a cost effective way to protect what you own

The importance of replacement value is best understood in case of repairs and replacement

Detail out the items that are in your home that you wish to cover to avoid any ambiguities

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