Home Insurance
Your biggest asset deserves real protection.
Home insurance covers the structure of your house and everything inside it against fire, floods, earthquakes, burglary and more. It costs very little each year compared with the value it protects.
- Cover
- Structure and contents
- Term
- 1 to 10 years
- For
- Owners and tenants
- Premium
- Low, from a few thousand a year
Choose the home insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Structure cover
Protects the building itself against fire and natural disasters.
Contents cover
Furniture, electronics, appliances and valuables.
Comprehensive home
Structure and contents together, with add-ons.
Tenant's cover
Contents-only cover for people who rent.
Why people choose our home insurance advice
- Cover for structure and contents
- Owners and tenants can buy
- Long-term policy options
- Low premiums for high cover
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Fire and lightning
- Earthquake, flood and storm
- Burglary and theft
- Accidental damage to appliances (add-on)
- Home owners
- Tenants with valuable belongings
- Home loan borrowers
- Wear and tear
- Wilful damage
- Unoccupied homes beyond a set period
Home Insurance premium: what decides it?
Two people buying the same home insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Home Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Property Ownership Papers / Rent Agreement
- List of Valuable Contents
Document Proof
9 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Property Ownership Papers / Rent Agreement
- List of Valuable Contents
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Insure the structure at rebuilding cost, not market value.
- 2List valuable items like jewellery separately for full cover.
- 3Do not rely only on the bank's policy; it may only cover the loan amount.
Home Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
Your financial goals,
one window away.
Speak to an advisor today. Free consultation, honest advice, and help with every document.