Karnali state government has implemented home insurance program. The home insurance program has been implemented at the local level in disaster risk areas of the province.

In the first phase, the insurance program has been implemented in 213 wards of 15 local levels. Under this, 16,000 households have been insured.

High risk of disaster and  In order to guarantee the financial protection of the damage and losses caused by natural disasters and other events, the annual policy and program of the financial year 081/082 and the annual budget introduced the home insurance program. Under this program, the state government has started a home insurance program.

In view of the fact that citizens who are at a high risk of natural disasters and have suffered loss of property year after year due to natural disasters, the home insurance program has been started to ensure the financial security of the private residential houses of citizens who are permanently residing in the province due to natural disasters and other natural disasters.

According to the Ministry of Internal Affairs and Law, the procedure related to the Home Insurance Program was approved by the Council of Ministers on February 13, 2081 to implement the program. Pushparaj Shahi, the secretary of the ministry informed that 23 local levels of 10 districts have written letters with commitment to join the home insurance program according to the procedure. According to him  Section 3 (4) of the Procedure  According to Nepal Insurance Authority, 23 insurance companies have been selected and sent to 23 local levels and private housing evaluations have been started, and 16 thousand 72 houses of 15 local levels have been sent with the recommendations of the relevant local level within time, and policies have been issued for home insurance.  According to section 5 of 2 of the

procedure, the state government will only bear the premium up to a maximum of 20 lakhs per household  Secretary Shahi said that if there is and above that, the landlord himself has to bear it. He also said that 98 lakh 24 thousand 893 rupees have been paid for the premium.

The Chief Minister of Karnali Province, Yamlal Kandel, said that since Karnali Province is a high risk area of disasters, the home insurance program has been started for the protection of citizens' property. He said that the provincial government has started the work at the latest as the citizens' property will be protected with a small amount.

Sushmita Sapkota, deputy head of Sharda municipality, participating in the program on behalf of municipalities,  Bir Bahadur Giri, Chairman of Barekot Rural Municipality, Bhim Bahadur Bhandari, Chairman of Barahtal Rural Municipality, Khem Singh, Chairman of Mahabai Rural Municipality, etc. said that the home insurance program has added strength to the safety of citizens in a disaster risk province like Karnali Province. He also promised to coordinate the necessary coordination on behalf of the municipality to make the program started by the state government effective.

Deputy Secretary of the Ministry Uttam Gautam informed that 35 million has been allocated for the home insurance program in the current fiscal year 082/083. He said that the local level which was not included in home insurance in the previous financial year will be included in the current financial year  According to section 4 of the