No one can surely predict the future. But we can protect it.Home insurance Starting at just ₹250* per annum
No one can surely predict the future. But we can protect it.
Home insurance Starting at just ₹250* per annum
Upto 45% OFF^on Premium
Covers NaturalCalamities
Covers AgainstBurglary and Theft
AlternateAccommodation
Expenses Covered
Covers Fire, Riots,Strikes and
Terrorism
Covers AccidentalDamages
Home Insurance
Home insurance or property insurance protects the building and its contents from unwelcome occurrences like fire, theft, natural disasters (such as storms and cyclones) or man-made ones (such as riots and terrorism). As auspicious events approach, it is advised that you purchase a house insurance coverage because protecting your valuables is one of the best things you can do at this joyous time. Property insurance is a good idea because unlucky events might result in irreparable damage and vulnerable financial losses.
From April 1, 2021, all insurers must provide the Bharat Griha Raksha standard house insurance policy, according to the Insurance Regulatory and Development Authority of India (IRDAI). Bharat Griha Raksha offers protection from injury, loss, or destruction of the home building and its contents due to unforeseen circumstances.
Our country is vulnerable to natural disasters and frequent fire incidents, which cause irreparable harm. For instance, cyclone Yaas in Odisha in 2021 and a significant fire occurrence in Kullu, Himachal Pradesh in December 2021 both severely damaged property and gutted 15 homes. Therefore, it is advised to purchase our insurance policy with the following crucial characteristics in order to avoid having your years of money wiped out in a matter of seconds from these kinds of incidences:
Our country is vulnerable to natural disasters and frequent fire incidents, which cause irreparable harm. For instance, cyclone Yaas in Odisha in 2021 and a significant fire occurrence in Kullu, Himachal Pradesh in December 2021 both severely damaged property and gutted 15 homes. Therefore, it is advised to purchase our insurance policy with the following crucial characteristics in order to avoid having your years of money wiped out in a matter of seconds from these kinds of incidences:
- Covers Home Structure: Upto ₹ 10 crore
- Covers Belongings: Upto ₹ 25 lakhs
- Discounts: Upto 45%* Off
- Additional Coverage: For 15 Types of Belongings and Perils
- Add-on Covers: 5
Inclusion of Two Wheeler Insurance
For the Happy Tenants
who maintain a home as if it were their own. You treat the house as if it were your own even if you don't actually own it. To create a place for yourself, you have organized the house. The memories you make there last a lifetime even if your time there is brief. Thus, it is your responsibility to safeguard your home's contents.
For Proud Home Owners
who have made a dream investment. Owning a home is a major accomplishment. It is often seeing a dream come true for many people. It is necessary to deal with this reality. That's where we come in and assist you in protecting your home and its contents from potential harm.Why there is a Need for Home Insurance in India?
Although home insurance is not required in India, based on the risk factors in India, you can consider purchasing a home insurance plan. For instance, many areas are vulnerable to natural disasters like floods, earthquakes, and cyclones. Don't also forget about the frequent fire accidents and thefts/burglaries that occur in these areas. Therefore, purchase a home insurance policy to be covered in the following situations:
Fire Accidents
Man-made hazards
Thefts and burglaries
Damage to belongings
Natural calamities
What Does A Home Insurance Policy Cover?
Fire AccidentsA fire accident can be extremely painful and traumatic. But you can rely on us to assist you in rebuilding and restoring your home to its original condition.
Burglaries And TheftsThieves and burglars enter your home without your permission. Therefore, it is preferable to protect your property with a home insurance coverage to prevent monetary losses. We aim to assist you during difficult times and pay for theft-related damages.
Electrical FailureYou should give your electrical devices and equipment the best possible care. But they could malfunction sometimes. Do not worry; we will reimburse any unforeseen costs brought on by electrical failures.
Natural disastersNatural disasters like floods and earthquakes are out of anyone's control and can seriously harm the home and its contents in a short amount of time. What we can control, however, is using our home insurance policy to guard against probable loss of your house and its contents.
A Different AccommodationWe can assist you if you need to find a temporary place to live because your house is uninhabitable as a result of an insured hazard. Our alternative accommodation clause** makes sure you have a comfortable place to stay while waiting for your residence to be livable once again.
Accidental InjuryWith the help of our house insurance plan, you may affix a protective seal on pricey fixtures and fittings. We firmly think that regardless of whether you are a homeowner or a renter, you must safeguard your priceless possessions.
Man-Made RisksA man-made threat like terrorism or rioting may do just as much harm as a natural calamity. That's why we've committed to doing all in our power to shield you from the subsequent financial strain.
Add-On Coverage Under Home Insurance Plan
It's crucial to keep the larger picture in mind. But attending to the tiny things is also a superpower. You can now make sure that everything in your home is protected thanks to the range of home insurance options we provide. This will ensure that your home maintains its #HappyFeel atmosphere.
Belongings
Building
Property
Jewellery
Home Content
Electronic Equipment
TV
AC
Refrigerator
Washing Machine
Perils
Landslide
Theft
Flood
Fire
Earthquake
Lightning
Home Insurance Policy: Eligibility Criteria
1.
The owner of a condominium or standalone building may insure the building and/or its contents, including jewelry, other valuables, and portable electronic devices.
2.
The structure of a flat or apartment can be insured by the owner based on the carpet area and the cost of reconstruction.
3.
Whether you're a tenant or non-owner, you can protect your home's belongings as well as jewelry, collectibles, paintings, works of art, and portable technological devices.