Know What to do While Making House Insurance Claim

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When home insurance cover is taken the insurer does not survey the contents of the house or assess the structure. The deal is made in good faith .However if the structure were to fall a through damage assessment is done .It is up to the individual to make the right declaration and have proof to back it. The insurer can refuse the damage claims on the grounds that the building was poorly maintained or an unauthorized construction was done .It is in one's own interests to see that the claim is done in a hassle free manner. One has to show and maintain bills to prove that one owns the goods that one is claiming damages for .Always maintain an inventory of the goods and contents of one's house in an orderly manner with necessary billing and proof of purchase which will help one make a hassle free claim .Always take the help of a local real estate agent or a builder to estimate the cost of rebuilding the structure. Once one knows the cost of rebuilding the structure one can estimate the coverage required. If the coverage is not sufficient then hike the coverage. Take note of the additional features that one's house might incorporate such as marble tiles, ceramics, and costly woodwork. Another common practice followed is having the insurer estimate the costs of rebuilding and mark the contents of the house before a tragedy occurs. This is a Prevention Is Better than Cure Approach.

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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

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These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

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1. ICICI Prudential Tax Plan Invest Online
2. HDFC TaxSaver Invest Online
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4. Reliance Tax Saver (ELSS) Fund Invest Online
5. Birla Sun Life Tax Relief '96 Invest Online
6. IDFC Tax Advantage (ELSS) Fund Invest Online
7. SBI Magnum Tax Gain Scheme 1993 Invest Online
8. Sundaram Tax Saver Invest Online
9. Edelweiss ELSS Invest Online

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Best Performing Mutual Funds

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1. Relaince Gold Savings Fund
2. ICICI Prudential Regular Gold Savings Fund
3. HDFC Gold Fund