When submitting a home insurance claim, documentation is crucial. The fire brigade report, a synopsis of the event, a properly completed claim form, repair estimates, and the original invoice for replacement are just a few of the crucial papers that must be sent to the insurance company. Depending on the circumstances surrounding the occurrence and the specific policy provisions, this list may change.

Never perform reconstruction or repair work on your home without first notifying your home insurance provider, since this might result in a claim being rejected. As an alternative, you should notify the insurance provider of the incident and file a claim. Your home will be visited by their surveyor to determine the amount of the damage, and you will then be asked to make the necessary repairs. The surveyor will return when the work is finished, at which point you may provide him all the paperwork and receipts to continue processing the claim.

The owner is in charge of building maintenance if you rent a house. So, it's up to them to utilise their home insurance policy to cover the house's structure.
However, while you are residing in the leased home, you would be accountable for any belongings that belong to you. You will be responsible for covering all replacement costs if household products encounter any unexpected damage. Therefore, if you rent your property, it is advised that you purchase home insurance with content coverage

The contents of the home, including furniture, valuable objects like jewellery, precious possessions, furniture items, electrical appliances like the refrigerator, televisions, and washing machine, and portable items like laptops, are covered by home insurance policies.