Does Home Insurance Cover Kitchens Renovations?

Posted on: Jan 31, 2025 | 3 mins | Written by: HDFC ERGO Team

Does Home Insurance Cover Kitchens Renovations?

You fulfil a large dream when you buy a new house. A house is more than an investment - it is a place where you find love and safety and create the best memories of your life. This is why a home is the most precious possession a person has and protecting it is of utmost importance. Thankfully, some excellent home insurance plans help you to cover your house comprehensively. These plans offer wholesome protection and cover all parts of the property including the kitchen, read on to know more.

How does a home insurance plan protect the kitchen?

As mentioned above, a standard home plan offers coverage for your kitchen. Here are some ways in which that happens:

1. Coverage for structural problems

A standard property insurance policy offers protection for the structure of your home. If there is any damage to the structure of the property, in any corner of the house, you can make a claim and get compensated for the damages. Since the kitchen is an integral part of the house, this coverage extends to the structure of the kitchen such as its wall and ceiling. So whether you have a leaky kitchen ceiling or a cracked wall, you can get it covered under your home insurance plan.

2. Coverage for fire loss

Fire is a threat that every homeowner lives with but with a good homeowners insurance plan in place, protection is always available. Kitchen fires are common and often lead to extensive damage in the place. If you face a fire accident in the kitchen, you can make a claim and get compensated for the expenses incurred in repairing the kitchen and bringing it back to life.

3. Coverage for kitchen appliances

A regular kitchen in an Indian household has several appliances such as a fridge, a microwave oven, a kitchen chimney and so on. These appliances are quite expensive. Whether there is structural damage due to a natural calamity, resulting in an appliance getting crushed or there is fire damage leading to the loss of an expensive gadget in the kitchen, your insurance provider will pay for the damages when you are covered under a home insurance plan.

These are some of the most effective ways in which a property insurance plan helps to keep the kitchen and its belongings safe.

The bottom line

As you can see, you can comprehensively cover the kitchen of your house with a good homeowners insurance plan from a reputed insurance provider. Look for well-rounded coverage that offers maximum protection at a reasonable cost. You can get this coverage under an owner’s, as well as renters insurance policy, so get the plan that is best suited for you.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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