Your home is your most valuable asset. Protect it against fire, floods, theft, and natural disasters with comprehensive home insurance plans starting at just ₹2,500/year.
Comprehensive protection for your home and everything inside it.
Full coverage for the physical structure of your home including walls, roof, foundation, and fixed fixtures against damage from fire, earthquakes, storms, and other covered perils.
Protection for furniture, appliances, electronics, clothing, and other household items against damage or loss due to covered events like fire, water damage, and burglary.
Scheduled coverage for gold, diamonds, silver, artwork, and other high-value items. We recommend a detailed inventory and valuation to ensure adequate compensation in case of loss or theft.
Protection against losses caused by earthquakes, floods, cyclones, landslides, and other natural catastrophes. India's geo-climatic diversity makes this coverage essential for every homeowner.
Coverage for losses due to theft, housebreaking, and burglary. Includes lock replacement costs, emergency accommodation expenses, and temporary security measures post-incident.
Legal and financial protection if a visitor is injured on your property or if your property causes damage to a neighbour. Covers legal costs, medical expenses, and damage compensation.
Flexible plans designed to suit different homes and budgets.
Essential coverage for apartment owners and renters.
Balanced protection for independent homes and villas.
Total peace of mind with all-inclusive property protection.
| Feature | Basic | Standard | Comprehensive |
|---|---|---|---|
| Building Structure | Up to ₹20L | Up to ₹50L | Up to ₹1Cr |
| Home Contents | ✗ | Up to ₹10L | Up to ₹25L |
| Jewellery & Valuables | ✗ | ✗ | Up to ₹5L |
| Natural Disaster | Fire only | ✓ | ✓ incl. earthquake |
| Third-Party Liability | ✗ | Up to ₹5L | Up to ₹20L |
| Fire & Allied Perils | ✓ | ✓ | ✓ |
Understanding these factors helps you get the best coverage at the right price.
The insured declared value of your property — based on rebuilding cost, not market value. Higher property value means higher coverage and premium. Accurate valuation prevents under-insurance.
Properties in flood-prone zones, earthquake-sensitive regions, or high-crime areas attract higher premiums. Coastal areas and hilly terrains also carry specific natural peril risks that affect pricing.
RCC (reinforced concrete) structures are considered safer and attract lower premiums. Older buildings, kutcha constructions, or mixed-type structures with wooden elements may incur higher rates.
Homes equipped with CCTV cameras, alarm systems, security guards, grilled windows, and fire extinguishers may qualify for premium discounts — as these reduce the insurer's risk exposure.
Get a comprehensive home insurance quote tailored to your property and budget in minutes.