• TV has consistently been one of the main gadgets utilized in Indian homes. It remains the leading entertainment device in any household. Today, even as the internet dominates the world, television has maintained its appeal by integrating the internet within itself, making it the most accessible and widely used electronic device of all time. Given its high usage, the device is prone to more breakdowns and damage. Therefore, it is essential to insure televisions under TV insurance.

Understanding TV insurance cover

• Unforeseen incidents like theft, natural disasters, etc. , can cause damage to our homes and belongings. With the introduction of various insurance products such as Home insurance from HDFC Ergo and other prominent insurance providers, one can cover the damages caused by such unwanted events. Individuals can choose home insurance if they own a property or select renters insurance if they rent a property to protect their appliances and gadgets against irreversible damage.

A home insurance policy provides several advantages such as:
1. Protection against natural disasters
2. Protection against man-made disasters
3. Protection and security of the home and its contents
4. Comprehensive coverage for all personal belongings within the home
5. Security for occupants under both homeowners insurance and renters insurance
6. Affordable premiums and flexible tenures

• Therefore, the above points outline the benefits of selecting a home insurance policy. Moreover, the HDFC Ergo home insurance policy, whether for homeowners or renters, provides coverage for damages like cracked screens. TV insurance frequently includes coverage for accidental damage, making it an advantageous addition to your policy, particularly for high-end or costly televisions. Whether included as a standard feature or as an optional add-on, one can ensure the protection of their valuable asset, namely their television.

Depending on the insurer and policy, TV insurance may cover a range of scenarios, including:
1. Cracked Screens: Resulting from an accidental fall or a child’s mishap with a toy.
2. Liquid Damage: Caused by spills or splashes leading to short circuits.
3. Impact Damage: From falling objects or failure of wall mounts.
4. Electrical Surges: Protection from power fluctuations that may damage internal components.
5. Replacement or Repairs

However, it is crucial to examine the policy for specific details.

What’s Not Covered?

Common exclusions in the TV insurance policy encompass:
• Damage resulting from misuse or incorrect installation
• Wear and tear over time
• Issues that fall under the manufacturer’s warranty

Conclusion

To guarantee thorough protection, check if your home insurance policy already includes coverage for accidental damage. It is advisable to secure all valuable and expensive items within the house, allowing for peace of mind.

Disclaimer: The information provided above is intended for illustrative purposes only. For further details, please consult the policy wording and prospectus before making any purchase.