AMFI-Registered Mutual Fund Distributor

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Home insurance offers coverage to a house / dwelling and its contents from unforeseen circumstances such as damages caused by natural calamities (earthquake, fire, flood, storm, landslide, etc.) and man-made activities (theft, burglary, terrorism, riot, etc.). Be it a damage or loss to your owned apartment, luxurious bungalow or a rented flat, a home insurance policy covers your home to ensure it always stands strong to give you the shelter and protection you need.

Natural calamities and accidental damages do not come with a prior notice, they are uninvited and uncertain. In addition, a single incident is enough to drain your savings that is why you need a home insurance plan to cover the repair costs and pay you in case your valuables are stolen.

While home insurance is not mandatory in India, many regions are prone to natural calamities like flood, earthquake and cyclones hence it is important to consider a cover for your home and its contents. Besides natural calamities, home insurance covers perils such as fire, burglary and theft (based on policy conditions). House / property insurance plays a vital role in covering your most valuable asset, because mere buying the dream home is not enough protecting it matters too.

Fires, earthquakes, floods, landslides- things that mere boundary walls and barricades cannot hold at bay- have the potential to wipe out entire neighbourhoods. Even if the intensity of such natural disasters is less, a slight tremor or short spell of heavy rain can damage expensive electronic devices and other appliances in your house permanently.

The risk of riots, theft or burglary cannot be fully discounted, either. A home insurance policy can be a silver lining in every adversity, whether natural or manmade.

Whether you’re a tenant in a major metro or a small town, a house insurance policy can help you protect your belongings against a whole gamut of eventualities. Even if you prefer a minimalist lifestyle, with house insurance, your personal property such as laptops, televisions, furniture and other appliances are in safe hands.

If you cannot make up your mind whether to insure your home or its contents, cover both. This gives you the benefit of comprehensive coverage in an emergency and gives you complete peace of mind. Of course, if you’re a tenant, you also have the option of insuring your contents.

Do you worry about whether your doors are safely locked when on vacation? The thought of burglars sneaking into your home can ruin the holiday mood.

Key Benefits :

  • No Depreciation
  • Coverage for Students
  • Coverage for Tenants
  • Pet Cover
  • Accidental Damages
  • Fine Arts
  • Protection to home equipment
  • Gadgets

Key Exclusions :

  • War
  • Wear & tear
  • Legal confiscation
  • Pre-existing damages
  • Nuclear damage
  • Terrorism (can be included on payment of additional premium)

Who Can Buy :

Homeowners: If you are a homeowner, you can buy a house insurance policy to protect your home. Considering the fact that you’ve invested a lot of time, money and effort into buying and making a space your own, it makes sense to de-risk it from unfortunate events with the help of a good insurance policy.

Tenants: You can buy house insurance even if you are on rent, While the living space itself might not be yours, the numerous artefacts, appliances, gadgets and valuables that fill the space well truly belong to you – protect them with a good home insurance policy. You can also protect your liability against any damage.

Note: Please read the policy document for complete details. Multiple insurers offer varying benefits across a gambit of sum insureds.


A burglary insurance policy recompenses for a loss or damage caused to the insured property and valuable items such as jewellery, cash, stock of goods, furniture, etc. due to housebreaking or burglary.

Key Benefits :

Any loss or damage to the property described in the Policy Schedule by burglary and/or housebreaking or hold up Damage caused to the premises resulting from burglary and/or housebreaking or any attempt thereat.

Additional Benefits (In-built cover):

Following additional coverages are automatically provided by the Policy without any extra premium upto a specified limit:

  • Injury during Burglary and/or Housebreaking
  • Clothing and personal effects
  • Damage to Safe and/or Strong-room
  • Money

On payment of additional premium, the following coverages can be opted :

  • Theft
  • Riot, Strike & Malicious Damage
Note: Please read the policy document for complete details. Multiple insurers offer varying benefits across a gambit of sum insureds.