72% of Indian homes have no insurance. Your home is your biggest asset — protect it from fire, floods, earthquakes, and theft for just ₹2,000–5,000 per year.
Home insurance (also called property insurance) protects your home and its contents from unexpected events like fire, natural disasters, theft, and accidental damage.
You can insure the structure (walls, roof, floors) and/or the contents (furniture, electronics, jewelry, appliances). The insurer pays to repair or rebuild if damage occurs.
For most Indians, their home is their single largest financial asset — often worth ₹30 lakh to several crores. Yet most people insure their car (legally required) but forget to insure their home. Home insurance costs a fraction of what your home is worth and provides complete financial protection.
Your home faces more risks than you think.
India reports 25,000+ house fires annually. Electrical faults, kitchen fires, and short circuits can destroy your entire home in hours.
Monsoon flooding, burst pipes, and water seepage can cause massive structural and content damage every year in Indian cities.
Theft of jewelry, electronics, and cash from your home is covered. You get compensation for stolen items and damaged property from break-ins.
India is one of the most seismically active countries in the world. Over 60% of land is earthquake-prone. Your home needs earthquake cover.
Home insurance protects both your building structure and everything inside it.
Fire, lightning, explosion, implosion, riot, strike, aircraft damage — all standard perils covered under the fire section of home insurance.
Flood, cyclone, typhoon, earthquake, volcanic eruption, landslide, rockslide — comprehensive protection from all natural calamities.
Stolen goods, cash, and property damaged during a break-in — covered up to the policy limit. Includes attempted burglary damage.
TV, refrigerator, washing machine, air conditioner, and all electrical appliances can be insured against damage and theft.
Gold, diamonds, and other precious valuables can be covered under an all-risks rider. Requires declaration and valuation certificate.
If your home becomes uninhabitable due to a covered event, rental costs for temporary accommodation are covered during reconstruction.
Covers only the building structure — walls, roof, floors, fixed fittings, and the physical construction. Best for homeowners who want to protect their investment at lowest cost.
Covers furniture, electronics, appliances, and personal belongings inside the home. Ideal for tenants who don't own the building but want to protect their possessions.
Complete protection for both the structure AND all contents. One policy covers everything from fire damage to burglary to natural disasters. Best value for homeowners.
Always insure your home at the reconstruction cost — not the market value. The market value includes land, which can never be destroyed. If your home costs ₹40 lakh to rebuild and you insure it for ₹80 lakh (market value), you're overpaying premium. But if you insure it for ₹20 lakh, you'll face under-insurance and get only partial claims. Get a proper reconstruction cost estimate and insure accordingly. Home insurance is one of the most underused protections in India — for ₹3,000–5,000 per year, you protect your most valuable asset completely.