Protect your home and everything in it
Your home is likely your biggest asset, yet few homes in India are insured. A home insurance policy protects the building and your belongings against fire, natural disasters and theft — for a small annual premium.
- Cover for the building, contents or both
- Plans for homeowners and tenants
- Protection against fire, floods, earthquakes and burglary
Get a Free Home Insurance Quote
Share your details and an advisor will call you back with options from 35+ insurers.
What Home Insurance covers
Common benefits across plans. Exact cover, limits and exclusions vary by insurer and policy.
Fire & explosion
Damage to your home and belongings from fire, lightning, explosion and short circuits.
Natural calamities
Floods, storms, cyclones, earthquakes and landslides.
Burglary & theft
Loss of belongings due to break-ins and theft.
Home contents
Furniture, electronics, appliances and other household items.
Jewellery & valuables
Optional cover for jewellery, art and other valuables, usually up to a declared value.
Rent for alternative stay
Many plans pay rent for temporary accommodation if your home becomes unliveable after an insured event.
Types of Home Insurance
Building insurance
Covers the structure of your house or flat, including fixtures and fittings.
Contents insurance
Covers your belongings — ideal for tenants who don’t own the building.
Comprehensive home insurance
Building and contents together in one policy.
Bharat Griha Raksha
The standard home insurance product defined by IRDAI, offered by general insurers.
Long-term home insurance
Multi-year policies that lock in cover and save on renewals.
Home loan protection
Building cover often required or recommended by lenders when you take a home loan.
How to choose the right Home Insurance
-
Insure the rebuilding cost
Building cover should reflect the cost of reconstruction, not the market price of your flat, which includes land value.
-
List your valuables
Keep an inventory with bills and photos of expensive items — it makes claims much faster.
-
Check flood and earthquake cover
If you live in a flood-prone or high seismic area, make sure these perils are included.
-
Tenants need cover too
Your landlord’s policy doesn’t protect your belongings. A contents policy does.
-
Review cover every few years
Update the sum insured after renovations or major purchases.
Buy Home Insurance through a broker you can trust
Unbiased Comparison
We compare plans from 35+ insurers and recommend what fits you, not what pays us most.
Right Cover, Not Just Cheapest
We look at coverage, exclusions and claim experience, not just the premium.
Claim Support
We stay with you through the claim process, from filing to settlement.
IRDAI Registered Broker
Direct Insurance Broker (Life & General), IRDAI Registration No. 1190.
Home Insurance FAQs
Is home insurance mandatory in India?
No, it is not mandatory by law, though many lenders ask for building insurance when you take a home loan. Given how affordable it is, it is well worth having.
Can tenants buy home insurance?
Yes. Tenants can buy contents insurance to protect their furniture, electronics and other belongings, even though they don’t own the building.
Does home insurance cover floods and earthquakes?
Most standard home insurance policies, including Bharat Griha Raksha, cover floods, storms and earthquakes. Always check the policy wording for any exclusions.
How is the sum insured for my building calculated?
It is usually based on the built-up area multiplied by the current construction cost per square foot, not the market value of the property.
Is jewellery covered under home insurance?
Jewellery and valuables are often covered only up to a limit or when declared separately. Tell us what you want to insure and we will find a plan that covers it.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations and terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale. Tax benefits are subject to changes in tax laws.
Explore other insurance
Not sure which plan is right for you?
Talk to a licensed advisor — free, with no obligation to buy.