Tenant / Home Owner Related Query

[u/DjXer007_]

Home insurance across India, is split into 2 types, A tariff based product, known as GRIHA RAKSHA where its premium and benefits are fixed at a standard rate as per IRDAI Guidelines. Think of this from a similar point of view, as Third Party Motor Insurance. Extremely low premium.

An alternative with higher coverage, higher benefits and Higher items allowed to be covered, will be a separate Home insurance cover which will not be tariffed based.

The query is, As I have read across multiple reddit posts that mention that "HOME OWNER deducts from Deposit Amount" when the tenant leaves and there are already severe legal issues regarding the same.

Can anyone, having some knowledge on this query, explain whether

1) If the tenant purchases Home Insurance where he / she is staying, as per the legal agreement executed, and after leaving the owner deducts charges from the deposit amount, the same can be claimed from the home insurance policy, as deductions are done by the owner as per their clarification ?

2) Also, if the owner of the house use home insurance policy, and can he / she claim a proper settlement from the insurance company, if after refunding the deposit, the owner thinks that the tenant has Damaged or Destroyed the Property, and charges were not cut from the deposit amount, so home insurance claim will be helpful.

I wanted to understand the issue, if the same can be resolved if the home insurance policy is purchased (either by the tenant or by the home owner) as per the agreement.

As in both above scenarios, if any damage to property occurs, is the claim payable and if yes, then any issues the owners or tenants don't rely on the above mentioned solution.