Axis Max Life - Capital Builder Plan - Secure Fund

NAV on (27 Jan 2026)

46.9828

Objectives

Max New York Lifes Capital Builder is one of the simplest and the easiest product to understand. Capital Builder is an Ideal policy for less saving investors. It provides fixed life coverage, simple fund options and plan terms. This plan also gives an edge to you to choose any one of the investment plans amongst Govt. Securities, Corporate Bonds (Investment Grade), Money Market Instruments/Cash or Equities.
Secure Fund:The investment objective of this fund is to provide stable return by investing in relatively low risk assets. The fund will invest exclusively in fixed interest securities such as Government Securities, Corporate bonds etc.
Asset allocation :
Government Securities--50 - 100%
Corporate Bonds (Investment Grade)--0 - 50%
Money Market Investments / Cash--0 - 40%
Equities--NIL.

Benefits

Benefits:

Flexible Options	Benefits
Premium Payments	a) You can pay your premiums within 30 days after the due date to fit in with your cash flows. incase of monthly mode, you need to pay your premiums within 15 days after the due date.
Top-ups	You have the option to invest over and above your regular premiums at any time, subject to the following conditions: You have paid all your regular premiums to date. Your total top-up premiums at any time are not more than 25% of your total regular premiums paid till date or the single premium paid at inception. Each Top-up premium amount is at least Rs. 3,750. Note: The Top-up premiums will not buy any insurance cover.
Changing your Investment Decisions	You can change your investment fund choices in two ways: SWITCHING: You can switch units from one fund to another. PREMIUM REDIRECTION: You can pay your future premiums into a different selection of funds, as per your need. Note: Switching of funds or redirection of premiums is not allowed if opted for Dynamic Fund Allocation.

Entry Age Details

ELIGIBILITY CRITERION

Criteria	Eligibility
Age of Life Insured	91 days to 55 years With Personal Accident Benefit Rider: Minimum age at entry should be 20 years
Maximum Maturity Age (Life Insured)	75 years
Policy Term	15 years, 20 years
Premium	Minimum ATP allowed: Rs. 15,000 Maximum ATP allowed as per below table:
	Age at Entry	Maximum ATP Allowed
	Upto 35 years	Rs. 300,000
	36 - 40 years	Rs. 200,000
	41 - 55 years	Rs. 100,000
Premium Term	Equal to the policy term
Sum Assured	Fixed: 10 times the Annual Target Premium

Premium Payment Term

Premium payment Term:15 years, 20 yearsa) You can pay your premiums within 30 days after the due date to fit in with your cash flows.incase of monthly mode, you need to pay your premiums within 15 days after the due date.

Top-up Premium

You have the option to invest over and above your regular premiums at any time, subject to the following conditions:You have paid all your regular premiums to date.Your total top-up premiums at any time are not more than 25% of your total regular premiums paid till date or the single premium paid at inception.Each Top-up premium amount is at least Rs. 3,750.Note: The Top-up premiums will not buy any insurance cover.

Sum Assured Details

Sum Assured:Fixed: 10 times the Annual Target Premium

Investment Details of the Plan

The fund details are as follow:
Growth Super Fund: The investment objective of this fund is to provide potentially higher returns to the policyholders by investing predominantly in equities (to target growth in capital value of assets); however, the fund may also invest in government securities, corporate bonds and money market instruments, hence, the risk involved is relatively higher.
High Growth Fund: The investment objective of the High Growth Fund is to provide potentially higher returns to policyholders in the long term. The Fund will invest predominantly in equities of companies with high growth potential in the long term (to target growth in capital value of assets); however, the fund will also invest in government securities, corporate bonds and money market instruments, hence the risk involved is relatively higher.
Balanced Fund: The investment objective of this fund is to provide balanced returns from investing in both fixed income securities (to target stability of returns) as well as in equities (to target growth in capital value of assets) for moderate level of risk.
Secure Fund: The investment objective of this fund is to provide stable return by investing in relatively low risk assets. The fund will invest exclusively in fixed interest securities such as government securities, corporate bonds, etc.
The investment pattern of the funds will be as follows:

Asset Types	Growth Super (%)	High Growth (%)	Balanced (%)	Secure (%)
Govt. Securities	0-20	0-30	20-50	50-100
Corporate Bonds (Investment Grade)	0-20	0-30	20-40	0-50
Money Market Instruments/Cash*	0-30	0-40	0-40	0-40
Equities	70-100	70-100	10-40	NIL

Dynamic Fund Allocation:

Under this feature, assets under management shall be maintained in the following fashion in the Growth Super and Secure Funds during the policy tenure. Allocation of premiums subject to allocation charge and switch of units (at no switching charge) will be done to achieve this objective.

Years to Maturity	Growth Super Fund	Secure Fund
16 - 20 years	75%	25%
11 -15 years	60%	40%
6- 10 years	40%	60%
0 - 5 years	20%	80%

Withdrawal

Partial Withdrawal Charge:First 6 partial withdrawals are free of charge in each policy year. Any subsequent partial withdrawal in the same policy year will attract a charge of Rs. 1,000 per transaction involving partial withdrawal.This charge may increase with approval of IRDA but will not exceed Rs. 2,000 per transaction involving partial withdrawal.Minimum surrender value required after partial withdrawal of units should be equal to one ATP.Minimum amount for which request for partial withdrawal of units will be entertained is Rs. 10,000 and maximum upto 20% of the fund value prevailing as on the date the partial withdrawal request is received.Note: No partial withdrawals are allowed till the policy completes 5 policy years

Premium allocation Charges

Premium allocation Charges (AS A % OF ATP and Top up)

As a %age of ATP due in respect of				As a %age of Top up Premium
1st Policy Year	2nd Policy Year	3rd Policy Year	4th Policy year and Onwards	As a %age of Top up Premium
30%	10%	10%	2%	3%

Fund Management Charges

Fund Management Charges

In the long run what makes your investment returns look impressive is the way your funds are managed. Thankfully, Max New York Life's expertise in managing your funds does not cost you a fortune. This is a charge levied as a percentage of the value of assets and shall be appropriated, usually daily, by adjusting the Net Asset Value of the fund. The annual rate of fund management charge is as below. This charge may increase in future after clearance from IRDA but shall not be higher than 2% p.a.

Fund Name	Fund Management Charge
Growth Super Fund	1.35% per annum
High Growth Fund	1.35% per annum
Balanced Fund	1.10% per annum
Secure Fund	0.90% per annum

Mortality Charges

Other Charges

Charges	Explanation
Policy Administration Charge	The Policy Administration charge expressed as a percentage of the sum assured is the annual charge but recovered on each monthiversary in equal installments by cancellation of units at unit price.
		Policy Administration Charge
		Year 1 & 2	Year 3		Year 4 onwards
		2%	1%		Lower of 1 % or Rs.125 per month

Mortality Charge*	Mortality charge for providing risk cover to the life insured shall be recovered. On each monthiversary, an appropriate number of units, including a part thereof, in the unit account will be cancelled at their unit price to meet mortality for the life insurance. Please refer to the below mortality rates (applicable for first policy year) for some sample ages
		Age	30	35		40	50
		Annual Mortality charge per 1000 Sum at Risk	2.106	2.497		3.695	9.439

Switching Charge	First six switches in a policy year will be free of charge. The processing charge for subsequent switches shall be Rs. 500 per switch. This charge would be subject to increase with approval from IRDA but will not exceed Rs. 1,000 per switch. Note: The minimum switch amount will be Rs. 5,000, which can be altered by the company from time to time.
Redirection Charge	First three redirections in a policy year will be free of charge. Subsequently, redirections in a policy year will attract a redirection charge of Rs. 1,000 per redirection. This charge would be subject to increase with approval from IRDA but will not exceed Rs. 2,000 per redirection.
Partial Withdrawal Charge	First 6 partial withdrawals are free of charge in each policy year. Any subsequent partial withdrawal in the same policy year will attract a charge of Rs. 1,000 per transaction involving partial withdrawal. This charge may increase with approval of IRDA but will not exceed Rs. 2,000 per transaction involving partial withdrawal. Minimum surrender value required after partial withdrawal of units should be equal to one ATP. Minimum amount for which request for partial withdrawal of units will be entertained is Rs. 10,000 and maximum upto 20% of the fund value prevailing as on the date the partial withdrawal request is received. Note: No partial withdrawals are allowed till the policy completes 5 policy years
Surrender Charge	If Policy is Surrendered			Surrender Charge (As a % of Annual Target Premium)
	In 1st Policy Year			100% #
	In 2nd Policy Year			50%
	In 3rd Policy Year			42%
	In 4th Policy Year			40%
	In 5th Policy Year			35%
	In 6th Policy Year			30%
	In 7th Policy Year			25%
	In 8th Policy Year			20%
	In 9th Policy Year			15%
	In 10th Policy Year			10%
	In 11th Policy Year or later			Nil

Policy Administration Charges

Other Charges

Charges	Explanation
Policy Administration Charge	The Policy Administration charge expressed as a percentage of the sum assured is the annual charge but recovered on each monthiversary in equal installments by cancellation of units at unit price.
		Policy Administration Charge
		Year 1 & 2	Year 3		Year 4 onwards
		2%	1%		Lower of 1 % or Rs.125 per month

Mortality Charge*	Mortality charge for providing risk cover to the life insured shall be recovered. On each monthiversary, an appropriate number of units, including a part thereof, in the unit account will be cancelled at their unit price to meet mortality for the life insurance. Please refer to the below mortality rates (applicable for first policy year) for some sample ages
		Age	30	35		40	50
		Annual Mortality charge per 1000 Sum at Risk	2.106	2.497		3.695	9.439

Switching Charge	First six switches in a policy year will be free of charge. The processing charge for subsequent switches shall be Rs. 500 per switch. This charge would be subject to increase with approval from IRDA but will not exceed Rs. 1,000 per switch. Note: The minimum switch amount will be Rs. 5,000, which can be altered by the company from time to time.
Redirection Charge	First three redirections in a policy year will be free of charge. Subsequently, redirections in a policy year will attract a redirection charge of Rs. 1,000 per redirection. This charge would be subject to increase with approval from IRDA but will not exceed Rs. 2,000 per redirection.
Partial Withdrawal Charge	First 6 partial withdrawals are free of charge in each policy year. Any subsequent partial withdrawal in the same policy year will attract a charge of Rs. 1,000 per transaction involving partial withdrawal. This charge may increase with approval of IRDA but will not exceed Rs. 2,000 per transaction involving partial withdrawal. Minimum surrender value required after partial withdrawal of units should be equal to one ATP. Minimum amount for which request for partial withdrawal of units will be entertained is Rs. 10,000 and maximum upto 20% of the fund value prevailing as on the date the partial withdrawal request is received. Note: No partial withdrawals are allowed till the policy completes 5 policy years
Surrender Charge	If Policy is Surrendered			Surrender Charge (As a % of Annual Target Premium)
	In 1st Policy Year			100% #
	In 2nd Policy Year			50%
	In 3rd Policy Year			42%
	In 4th Policy Year			40%
	In 5th Policy Year			35%
	In 6th Policy Year			30%
	In 7th Policy Year			25%
	In 8th Policy Year			20%
	In 9th Policy Year			15%
	In 10th Policy Year			10%
	In 11th Policy Year or later			Nil

Switching Charges

Switching Charge:First six switches in a policy year will be free of charge.The processing charge for subsequent switches shall be Rs. 500 per switch. This charge would be subject to increase with approval from IRDA but will not exceed Rs. 1,000 per switch.Note: The minimum switch amount will be Rs. 5,000, which can be altered by the company from time to time.

Surrender Charges

Other Charges

Charges	Explanation
Policy Administration Charge	The Policy Administration charge expressed as a percentage of the sum assured is the annual charge but recovered on each monthiversary in equal installments by cancellation of units at unit price.
		Policy Administration Charge
		Year 1 & 2	Year 3		Year 4 onwards
		2%	1%		Lower of 1 % or Rs.125 per month

Mortality Charge*	Mortality charge for providing risk cover to the life insured shall be recovered. On each monthiversary, an appropriate number of units, including a part thereof, in the unit account will be cancelled at their unit price to meet mortality for the life insurance. Please refer to the below mortality rates (applicable for first policy year) for some sample ages
		Age	30	35		40	50
		Annual Mortality charge per 1000 Sum at Risk	2.106	2.497		3.695	9.439

Switching Charge	First six switches in a policy year will be free of charge. The processing charge for subsequent switches shall be Rs. 500 per switch. This charge would be subject to increase with approval from IRDA but will not exceed Rs. 1,000 per switch. Note: The minimum switch amount will be Rs. 5,000, which can be altered by the company from time to time.
Redirection Charge	First three redirections in a policy year will be free of charge. Subsequently, redirections in a policy year will attract a redirection charge of Rs. 1,000 per redirection. This charge would be subject to increase with approval from IRDA but will not exceed Rs. 2,000 per redirection.
Partial Withdrawal Charge	First 6 partial withdrawals are free of charge in each policy year. Any subsequent partial withdrawal in the same policy year will attract a charge of Rs. 1,000 per transaction involving partial withdrawal. This charge may increase with approval of IRDA but will not exceed Rs. 2,000 per transaction involving partial withdrawal. Minimum surrender value required after partial withdrawal of units should be equal to one ATP. Minimum amount for which request for partial withdrawal of units will be entertained is Rs. 10,000 and maximum upto 20% of the fund value prevailing as on the date the partial withdrawal request is received. Note: No partial withdrawals are allowed till the policy completes 5 policy years
Surrender Charge	If Policy is Surrendered			Surrender Charge (As a % of Annual Target Premium)
	In 1st Policy Year			100% #
	In 2nd Policy Year			50%
	In 3rd Policy Year			42%
	In 4th Policy Year			40%
	In 5th Policy Year			35%
	In 6th Policy Year			30%
	In 7th Policy Year			25%
	In 8th Policy Year			20%
	In 9th Policy Year			15%
	In 10th Policy Year			10%
	In 11th Policy Year or later			Nil

Returns (as on 27-Jan-2026)

Period	Absolute (%)	Annualised (%)
1 Week	0	0
1 Month	-0.4	-4.5
3 Months	-0.2	-0.8
6 Months	0.9	1.8
1 Year	4.4	4.4
2 Years	14.5	7
3 Years	22.9	7.1
5 Years	31.7	5.6

NAV Chart

Historic Graph:

From

52-week High

₹47.4342

15-Oct-2025

52-week Low

₹44.749

04-Mar-2025

Claim & Solvency Ratio

Claim Ratio	Solvency Ratio
100% (2023-24)	-

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What is health insurance? +

Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It may also provide coverage for other types of health-related costs, such as prescription drugs, mental health services, and preventive care.

Why do I need health insurance? +

Health insurance helps protect you from high medical costs. It provides access to medical care when you need it, helping to pay for doctor visits, hospital stays, surgeries, prescription medications, and other health-related services.

What is a premium? +

A premium is the amount you pay for your health insurance every month. Depending on your plan, the premium may vary based on factors like age, location, and level of coverage.

What is a deductible? +

A deductible is the amount of money you must pay out-of-pocket before your health insurance starts covering your medical expenses. For example, if you have a deductible of $1,000, you must pay $1,000 out-of-pocket before your insurance starts covering your medical bills.

What are copayments and coinsurance? +

Copayment (copay): A fixed amount you pay for a covered health care service, typically when you get the service. Coinsurance: The percentage of the cost you pay for covered health services after you've paid your deductible. For example, if your coinsurance is 20%, you pay 20% of the bill, and the insurance company pays the remaining 80%.

What is an out-of-pocket maximum? +

The out-of-pocket maximum is the maximum amount you can spend on your health insurance. If you exceed this amount, your insurance company will pay 100% of your medical expenses.

What is the difference between in-network and out-of-network providers? +

In-network providers: Health care providers that have a contract with your health insurance plan to provide services at negotiated rates. Out-of-network providers: Providers that don't have a contract with your insurance plan. Services from these providers may cost more or not be covered at all.

What is a Special Enrollment Period (SEP)? +

The Special Enrollment Period (SEP) is a special time during the year when you can sign up for or make changes to your health insurance plan. If you miss this period, you may have to wait until the next one unless you qualify for a Special Enrollment Period (e.g., due to a life event like marriage or having a baby).

Can I keep my doctor with health insurance? +

If you have a preferred doctor, it’s important to check if they are in-network with your insurance plan. If they are not in-network, you may need to pay more out-of-pocket, or you may have to switch to another doctor who is in-network.

What is a Health Savings Account (HSA)? +

A tax-advantaged account for people with high-deductible health plans (HDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Flexible Spending Account (FSA)? +

A tax-advantaged account for people with low-deductible health plans (LDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Health Maintenance Organization (HMO)? +

An HMO is a type of health insurance plan that requires you to choose a primary care physician (PCP) and get referrals from them to see specialists. HMOs often have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers.

What is a Preferred Provider Organization (PPO)? +

A PPO is a health insurance plan that offers more flexibility in choosing healthcare providers and doesn’t require referrals to see specialists. You can see any doctor, but you’ll pay less if you use in-network providers.

What is the difference between a Health Savings Account (HSA) and a Flexible Spending Account (FSA)? +

HSA: A tax-advantaged account for people with high-deductible health plans (HDHPs) The funds roll over from year to year and can be used for qualifying medical expenses. FSA: A tax-advantaged account for people with low-deductible health plans (LDHPs) The funds roll over from year to year and can be used for qualifying medical expenses.

What does the term "pre-existing condition" mean? +

A pre-existing condition is a medical condition that you had before you got your health insurance. It could include things like diabetes, high blood pressure, or heart disease.

Can I cancel my health insurance at any time? +

Yes, you can cancel your health insurance plan at any time. However, if you cancel outside the open enrollment period, you may not be able to get another plan until the next enrollment period unless you qualify for a Special Enrollment Period.

Are prescription drugs covered by health insurance? +

Many health insurance plans cover prescription medications, but the coverage may vary. Plans typically have a formulary, or list of covered drugs, and different drugs may have different levels of coverage, depending on whether they are generic, brand-name, or specialty drugs.

What is preventive care? +

Preventive care includes health services that help prevent illnesses, such as vaccinations, screenings, and annual checkups. Under the Affordable Care Act, most preventive services are covered by health insurance plans at no additional cost to the policyholder.

What should I do if my health insurance claim is denied? +

If your claim is denied, you can appeal the decision. Review the denial letter for reasons, contact your insurer for assistance, and file a written request for a hearing. If you win the appeal, you may be able to get a refund or other compensation.

How can I choose the best health insurance plan for me? +

When selecting a plan, consider factors like: Your health care needs (e.g., frequent visits, prescriptions) The plan’s network of doctors and hospitals The cost of premiums, deductibles, copays, and out-of-pocket maximums Coverage for specialized care or treatments Compare the different plans and benefits to find one that meets your needs.

What happens if I don't have health insurance? +

If you don’t have health insurance, you can still access some health care services, such as emergency care, in-network doctors, and in-network hospitals. You may be eligible for Medicaid, which provides some health care services at no cost to you.

What is life insurance? +

Life insurance is a contract between you and an insurance company, where you pay regular premiums in exchange for a lump sum payment (death benefit) to your beneficiaries upon your death.

What are the different types of life insurance? +

Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). If you pass away during this term, your beneficiaries receive the death benefit. It does not build cash value. Whole Life Insurance: Offers lifetime coverage with a death benefit and also builds cash value over time, which you can borrow against or use. Universal Life Insurance: A flexible policy that allows you to adjust the premiums and death benefit while also building cash value.

How much life insurance coverage do I need? +

The amount of coverage you need depends on factors like your income, debts, family needs, and long-term financial goals. A common rule is to have coverage worth 10 to 15 times your annual income, but this can vary based on your individual situation.

What is the difference between beneficiaries and policyholders? +

The policyholder is the person who owns the life insurance policy and pays the premiums, while the beneficiary is the person or group that receives the death benefit when the policyholder passes away.

Can I change my beneficiaries? +

Yes, you can change your beneficiaries at any time during the life of the policy, as long as the policy is in force and you follow the correct procedure with the insurance company.

What is the contestability period? +

The contestability period is the time during which you have the right to contest the decision of the insurer to pay the death benefit. This period varies depending on the type of life insurance policy and the insurer.

Does life insurance cover accidental death? +

Some life insurance policies include accidental death coverage, while others may require a separate rider for this benefit. Be sure to review your policy to understand what’s covered.

Can I cancel my life insurance policy at any time? +

Yes, you can cancel your life insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is cash value? +

Cash value is the accumulated value of the life insurance policy that can be used to pay for expenses, such as medical bills or funeral expenses.

How do I borrow against cash value? +

You can borrow against the cash value of your life insurance policy, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What is the difference between whole life and universal life insurance? +

Whole life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and builds cash value over time. Universal life insurance offers lifetime coverage with a death benefit and also builds cash value over time.

How are life insurance premiums determined? +

Life insurance premiums are based on factors like age, health, lifestyle (e.g., smoking), coverage amount, and type of policy. Generally, younger, healthier individuals pay lower premiums.

Can I borrow money from my life insurance policy? +

If you have a whole life or universal life policy, it may build cash value over time. You can borrow against this cash value, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What happens if I stop paying my life insurance premiums? +

If you stop paying premiums, your policy may lapse. For permanent policies like whole or universal life, the cash value may cover the premiums for a time, but eventually, if premiums are not paid, the policy will end.

What is auto insurance? +

Auto insurance is a contract between you and an insurance company that provides financial protection against damage or injury caused by accidents, theft, or other incidents involving your vehicle. It covers both liability and your vehicle's repair costs depending on the type of policy.

What types of auto insurance coverage are available? +

There are several types of auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and additional coverage like roadside assistance and collision damage waiver.

How much auto insurance do I need? +

The amount of coverage you need depends on factors such as the value of your car, your driving habits, your state's legal requirements, and whether you own or lease your vehicle. A good starting point is to meet your state's minimum required coverage, but you may want additional coverage for added protection.

Can I cancel my auto insurance policy at any time? +

Yes, you can cancel your auto insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between liability and comprehensive coverage? +

Liability coverage covers the damages and injuries caused by accidents, while comprehensive coverage also covers non-accident damages, such as theft or vandalism.

How do I choose the right auto insurance policy? +

When selecting an auto insurance policy, consider factors such as the type of coverage you need, your driving habits, the value of your vehicle, and your state's legal requirements.

What factors affect my auto insurance premium? +

Several factors impact your insurance premium, including: Your driving history (accidents, tickets), The make, model, and age of your car, Your location (accident rates in your area), Your age, gender, and marital status, The level of coverage you choose, Your credit score (in some states).

What is a deductible? +

A deductible is the amount you must pay out of pocket before your insurance policy starts to cover the remaining cost of repairs or claims. For example, if you have a $500 deductible and incur $2,000 in damages, you will pay $500, and your insurer will pay the remaining $1,500.

What is the difference between comprehensive and collision coverage? +

Collision coverage pays for repairs to your vehicle after a collision with another vehicle or object, regardless of who is at fault. Comprehensive coverage covers non-collision incidents, such as theft, vandalism, or damage from natural disasters.

Can I get uninsured/underinsured motorist coverage? +

Yes, uninsured/underinsured motorist coverage is available in some states. This coverage provides financial protection for you if another driver is uninsured or underinsured.

Is auto insurance required by law? +

Yes, in most states, you are required to have a minimum level of liability insurance. Some states also require additional coverage like Personal Injury Protection (PIP) or uninsured motorist coverage. The requirements vary by state, so it’s important to check your local laws.

What happens if I don’t have auto insurance? +

If you drive without insurance, you risk facing legal penalties, fines, and the possibility of your driver's license being suspended. If you're involved in an accident, you could be held responsible for the damages.

Can I add other drivers to my auto insurance policy? +

Yes, you can add other drivers, such as family members or friends, to your policy. However, their driving record and age may affect your premium. It's important to inform your insurer about all the drivers in your household.

What should I do if I get into an accident? +

If you're in an accident, follow these steps: Ensure safety by moving to a safe location if possible. Call the police and file a report. Exchange contact and insurance information with the other driver(s). Take photos of the accident scene, vehicle damage, and injuries. Notify your insurance company about the accident as soon as possible.

What is home insurance? +

Home insurance is a contract between you and an insurance company that provides financial protection against damage or loss caused by natural disasters, theft, or other incidents.

What types of home insurance coverage are available? +

There are several types of home insurance coverage, including flood, fire, burglary, and liability. You may also have coverage for water damage, mold, and other property damage.

How much home insurance do I need? +

The amount of home insurance coverage you need depends on the value of your property, the type of coverage you want, and your insurance provider. You may also need additional coverage for water damage, mold, and other property damage.

Can I cancel my home insurance policy at any time? +

Yes, you can cancel your home insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between flood and fire coverage? +

Flood coverage covers damage caused by floods, while fire coverage covers damage caused by fires.

How do I choose the right home insurance policy? +

When selecting home insurance, consider factors such as the type of coverage you need, the value of your property, and your insurance provider.

What factors affect my home insurance premium? +

Factors such as the type of coverage you need, the value of your property, and your insurance provider can significantly impact your premium.