Monsoon in India is both a boon and a burden. While it supports agriculture and cools the summer heat, it also brings property damage, road accidents, and crop losses.
Here’s a complete Vizzve Guide to the three most important types of insurance you should consider during monsoon season: home, vehicle, and crop.
1. Home Insurance: Protecting What’s Inside and Out
Why It’s Crucial:
Heavy rainfall and waterlogging can weaken building structures
Lightning and short circuits can damage appliances and wiring
Risk of flooding, seepage, and roof leaks
What to Look For:
Structure + Content coverage (walls + items inside)
Natural calamity protection
Add-on for flood-specific protection
Quick Tip from Vizzve:
Keep photo records of valuables and appliances for easy claim verification.
2. Vehicle Insurance: Don’t Let the Rain Drain Your Wallet
Common Monsoon Damages:
Engine seizure from water ingress
Accidents due to slippery roads
Damage from falling trees or debris
What to Ensure:
Choose comprehensive coverage (not just third-party)
Get Engine Protect Cover as an add-on
Opt for zero depreciation for full claim value on repairs
Vizzve Bonus Insight:
Avoid starting a car stuck in floodwater—it can void your engine cover claim.
3. Crop Insurance: Lifeline for Farmers During Monsoons
Why Farmers Need It:
India sees rising floods and erratic rainfall
Crops face water-logging, pest attacks, and disease
Small farmers are financially vulnerable
Key Plan: PM Fasal Bima Yojana (PMFBY)
Covers sowing to post-harvest losses
Premiums are heavily subsidized
Payouts directly into farmer’s bank accounts
Vizzve Support:
We work to educate farmers about crop insurance options through financial literacy workshops.
Final Word from Vizzve
Insurance is not a luxury — it’s a shield. Monsoon season is unpredictable, but your recovery doesn’t have to be.
Whether you're protecting your home in Chennai, your car in Mumbai, or your paddy field in Assam — monsoon insurance is your safety net.
Plan smart. Protect early. Vizzve’s got your back.
Published on : 4th August
Published by : SMITA
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