Home insurance

Protect your house from calamities @ a very negligible price

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about Home Insurance Policies

What is Home Protect Policy?

Your home is your safe place – and your most prized possession. It provides you and your family a peaceful haven to live life and make memories.

Natural calamities like floods, earthquakes, and cyclones can cause great damage to your abode. In 2021, India witnessed many such calamities, including Cyclone Tauktae, the Uttarakhand flood, and the Assam earthquake.
Electric fires and other man-made hazards cause equally distressing damage to your home building as well as its contents.
Burglary (or attempt of burglary), due to which you lose personal belongings that may be expensive to replace/repair.

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Get answers to common questions about

Who can buy the Complete Home Protect Policy?

Both homeowners and tenants can opt for the Complete Home Protect Policy. While the owner can go for both building and content cover, tenants can go for content cover to protect their belongings.

What type of dwellings can be covered under the Complete Home Protect Policy?

We cover flats, individual apartments, row houses, and bungalows under the Complete Home Protect Policy.

What is the procedure for assessing the value of my home building and its contents?

The value of your home building is assessed as per the area of your home multiplied by the rate of construction per. sq. feet, as of the date of taking the policy. For example, if your home is 1000 sq. feet and the construction rate per sq. feet is ₹800/-, then the sum insured for your home’s building is ₹8,00,000. This excludes land costs. On the other hand, the contents are assessed on the market value of the items. This means if there were a loss, the claim would be paid on the value of purchasing a similar new item, less depreciation for the usage.

Do I need home insurance?

While home insurance is not legally required, it is often necessary to protect your investment in your home and possessions. Additionally, mortgage lenders usually require homeowners to carry insurance until the mortgage is paid off.

What factors affect the cost of home insurance?

Factors that can affect the cost of home insurance include the location and age of your home, the materials used in construction, the coverage amounts and deductibles you choose, your claims history, and your credit score.

What is a deductible?

A deductible is the amount you pay out of pocket for a covered claim before your insurance coverage kicks in. Higher deductibles typically result in lower premiums, while lower deductibles result in higher premiums.