What is homeowners insurance?
Homeowners insurance can protect your house and personal belongings if they are damaged by a covered loss.
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Your home took years to build. Shield it in minutes.
Structure, contents, and rent-loss protection against fire, theft, and natural calamity.
Ballpark estimate
Ballpark yearly premium under Bharat Griha Raksha-style cover.
₹2,208 – ₹3,450per year
Fire + natural catastrophe + burglary (contents). Long-term policies discount further. 18% GST extra.
Indicative starting point only, not a quote. Real premiums begin here and go up with age, health, claim history, add-ons, location and insurer underwriting. Your final figure is confirmed only on a formal proposal.
Home insurance, room by room.
Explore our content to get started on your Home insurance journey.
What does home insurance cover?
A strong policy can include structure, contents, liability, temporary living expenses, and selected add-ons.
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Compare rebuilding cost, valuables, location risk, lender needs, and deductible before choosing your cover.
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Covers that protect the address.
Pays to repair or rebuild the physical structure of your home after covered damage.
Covers furniture, appliances, electronics, and belongings against covered damage or theft.
Covers third-party injury or property damage that occurs at your home and for which you are held legally responsible, including compensation and legal costs.
Helps pay additional living costs if your home becomes unfit to live in after covered damage.
Protects against third-party injury or damage claims arising from lift operation, and covers breakdown of the lift machinery and its safety devices themselves.
Protect your home with clarity.
We have everything you need to help you get the right home insurance coverage for your needs.
Home insurance is more than building cover
"Most policies are bought for the structure and claimed on for everything inside it. Here is how the layers fit together."
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Home insurance claims: the documents that decide your settlement
"Fire, theft and water claims are won or lost on evidence gathered in the first 48 hours. Here is the order to do things in."
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Jewellery, gadgets and gold: the sub-limits nobody reads until they claim
"Standard contents cover treats a laptop and a gold set very differently. Understanding per-item limits before a burglary is the whole game."
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The lift in your building: who pays when it fails
"Lift accidents and breakdowns sit in a gap between the society, the maintenance contractor and the individual resident. Two distinct covers close it."
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