A Day Without Insurance is Like a Day Without Sunshine.

Home Insurance

'A Home of My Own' is a dream for every individual. Home insurance is meant for our own properties that offer liable cover against any type of risk in payment of a single premium. Home insurance is a boon to cover your home against all the uncertainties. The most interesting part of this policy is that it provides coverage not only to the house but also to the things and materials inside the house, i.e., furniture, goods, appliances, etc.

Types of Home Insurance Plan

Comprehensive Home Insurance

This type of plan offers you a complete basket full of benefits and cover all the uncertainties which may harm your house. The plan not only covers the house but also covers its interiors and contents inside the home. All types of appliances, electrical equipment, jewellery, personal items, furniture, and other precious assets. Although you need to give a detailed description of the articles damaged during claiming and purchasing an insurance plan.

Household Articles Insurance

An insurance cover that provides coverage only for the contents of the house like appliances, furniture, jewellery, wardrobe, and other necessary items. If any of the materials inside the house got damaged or lost this policy will take care of its expenses. The only condition is that the cost of contents will be decided on the basis of the present market rate of that particular product/material.

Standard Fire and Special Perils Insurance

This plan provides coverage against any damage to the household building that might be due to natural calamities, unforeseen events or any other related hazards like storms, riots, strikes, floods, fire, earthquake, etc. Different House including shopkeepers, godown owners, industry offices, etc. can purchase the plan for the security of the buildings.

Additional Covers

Many insurance companies are providing additional benefits to make the policy more comprehensive. Every company is offering different types of add-ons to the customers. The following are some of the additional benefits offered by a majority of companies. Coverage for rent loss, temporary living, replacing the lock and keys, burglary of ATM money, pets at home e.g. dogs, etc.

Which home insurance is right for you?

Home Insurance

Home insurance is a form of property insurance

get a quote

Home Insurance

Home insurance is a form of property insurance

get a quote

Home Insurance

Home insurance is a form of property insurance

get a quote

Home Insurance

Home insurance is a form of property insurance

get a quote

No, this insurance is not mandated by law, this can be purchased by choice to secure your cherished home along with its interiors from different types of hazards and contingencies. However, purchasing the same will help you in avoiding financial responsibilities.

'Rent Loss' clause provides coverage against the monetary loss when the house owner faces the loss of rent from tenants for a longer period of time because of any possible cause.

Yes, home insurance provided by an Indian insurance firm can offer the insured (house and its contents) protection against the following causes:
  • Man-Made Causes- Explosions, Riot, Strike, Terrorist acts, Implosion, Malicious harm, Missile tests resulting in harm, Leakages, etc.
  • Natural Causes- Storm, Hurricane, Tornado, Flood, Earthquakes, Lightning, Inundation, Landslide, Rockslide, etc.

Ideally, home insurance will stretch from a minimum of 3 years to almost 30 years.

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