Home Insurance

Home Insurance is a policy that provides financial protection against damages to your house and belongings due to events like fire, theft, natural disasters, and accidents.

A standard policy covers the structure of your house and may include protection for furniture, appliances, electronics, and personal items against risks like fire, theft, and natural calamities.

Yes. If you're a tenant, you can insure the contents of the rented home. If you're a landlord, you can insure the building structure from damage or loss.

Yes. Most home insurance plans include coverage for earthquakes, floods, storms, lightning, and other natural disasters, depending on your selected policy.

Common exclusions include wear and tear, war-related damage, damage due to negligence, and intentional loss. Always review the policy document for exact exclusions.

Premium is based on reconstruction cost of the property, location, size, age of the building, value of contents, and the risk factors in the area (e.g., flood zones).

Yes. Many insurers offer add-on covers for high-value items like jewelry, artwork, and collectibles. You may need to declare their value and provide proof of ownership.

Yes, you can choose a Contents-Only Plan that covers household items like furniture, electronics, clothing, and other personal belongings.

You need to inform the insurer immediately, submit a claim form, proof of loss (photos, bills), FIR (if applicable), and an estimate of repairs or replacement. Surveyor visit may be required.

Yes. Most insurers allow you to purchase or renew home insurance online with minimal documentation and instant policy issuance.