Protect Your Home and Belongings from Life’s Uncertainties
Home Insurance safeguards your residential property and belongings against risks like fire, burglary, natural calamities, riots and more, depending on the chosen plan. Whether you own or rent, this cover ensures that damage to your home’s structure or loss of contents doesn’t become a financial burden. It’s a smart way to secure your most valuable asset and the memories inside it.
Coverage for building structure against fire and allied perils
Optional cover for jewellery, artworks and high-value items
Protection for household contents, electronics and valuables
Protection against burglary, theft and natural disasters (as per policy)
Flexible sum insured based on reinstatement or market value
Frequently Asked Questions
What does home insurance typically cover?
Damage to building and/or contents due to fire, burglary, natural calamities and other insured perils.
Can tenants buy home insurance?
Yes, tenants can insure contents, while owners usually insure the building structure.
How is the sum insured for building decided?
Typically based on reconstruction cost, not current market or resale value.
Are jewellery and valuables automatically covered?
Often they require separate declaration and specific add-on covers for adequate protection.
Does home insurance cover wear and tear?
No, normal wear and tear and gradual deterioration are generally excluded.
Is coverage valid if the house is locked for long periods?
Some policies have unoccupancy limits; disclose usage and check related conditions.
