Purchase the best home insurance policy at policybazaar and get the structure as well as content secured against natural and man-made disasters.
  • Compare Home Insurance from Top Insurers
  • Lowest Premium on Home Insurance
  • Instant Home Insurance Online

About the Product

Home Insurance

Home insurance policies in India are property insurance that provides coverage against house damage or that of the contents inside. Apart from unauthorized entry, you can also get an extended cover for accidents that may occur at home.

Do not wait for a calamity to prove that you do need home insurance; opt for it beforehand!

Benefits of Home Insurance

Home insurance offers numerous benefits to the policyholder. With a good home insurance in place, you can have complete peace of mind regarding your property investment. You can avail emergency repairs, the additional expenses of living outside your home in case of damage to property, or replacement of personal property, minus the hassles and minimum documentations. Besides, the annual premiums involved are reasonably low in most cases so as not to put extra financial burden on the insurer. The home insurance premium calculator can help you to calculate and decide which home insurance plan to go for.

Key Features of Home Insurance

The key features of home insurance in general include the following:

  • Get home insurance online, which is a hassle-free proposition for those interested.
  • Discount is available on contents/home premiums 
  • Standard coverage is present against explosion or fire, theft, attempted burglary, damage due to natural disasters, and compensation for damage to property or contents within, through vehicular accidents.
  • Reasonable covers for your valuables including camera and jewelry.
  • Presence of burglar or smoke alarm or other security measures help homeowners to get discount on their home insurance.
  • The cover is for both self-owned and rented properties.

Home Insurance Coverage

If you want to go for home insurance coverage, it is possible to choose the cover amount based on personal spending capacities and requirements. Select contents that you want to get under the insurance umbrella. Coverage amount may depend upon the reinstatement value or the current value of the product in market. Also included is the personal accident cover concerning permanent disability or death of policyholder. In such cases, the nominee gets predetermined compensation amounts.


While there is a comprehensive coverage for homeowners through home insurance policies, there are certain exclusions present too. For example, this cover does not include radioactive contamination, or damage due to nuclear explosive equipment. Similarly, you do not get compensation for property or content damage that results from war, military activity, or invasions.

Inconceivable situations aside, your home is reasonably safe with a good home insurance policy to provide backup in negative situations. Nevertheless, compare home insurance quotes to understand clearly the benefits and exclusions present in a particular home insurance policy and then make the final decision.

Get insurance and be safe!

Some short tips on Home Insurance:

What is Home insurance?

Home insurance provides against financial loss against damage of the structure and/or contents of your home caused by natural and man-made disasters.

Why home Insurance?

A home is your most important asset, and it is natural to safe guard it against any calamity.

How much cover should I have?

The amount of cover is dependent on the cost of construction of the house and the value of consumables.

Documents Required

  • Identity Proof
  • Duly Filled Proposal Form
  • Resident Proof
  • Photograph
  • Sale Agreement
  • Bank Statements for last 6 months
  • For Salaried Persons - Salary Slips (last 3 months) and Form 16A
  • For Business Persons - IT returns file, documents that describe your business, etc.


Expert Speak

News / Media

Frequently Ask Question

What is Home Insurance?


Home Insurance provides coverage for the loss or damage to your personal property and possessions against natural and man-made calamities.

  • Natural - Fire, Storm, Earthquake, Tornado, Cyclone, Flood, Landslide, Lightning
  • Man-Made - Fire, Burglary, Theft, Aircraft Damage, Malicious Damage, Terrorism, Strike, Riot, Explosion

However, what is covered and what is not, varies from company to company and plan to plan. For instance, many home insurance plans exclude Terrorism, Strike, Riot, Explosion.

There are 3 insurable components in a Home Insurance – the structure (building), the contents (material assets) and people (family members and third party). You can get a specific coverage either for the structure or the contents of your home. You can also opt for a comprehensive coverage that includes both the structure and the contents.

Why do I need to buy a Home Insurance?


Disasters are unwelcome guests who don't knock twice before intruding in your home, sweet home. It is always good to be prepared beforehand.

Moreover, when you apply for a loan against property, the financer always prefers that the property is insured against potential loss or damage. Getting a home insurance plan will help you ease out the approval of such loans.

What contents should I ideally get covered in my policy?


You should get coverage on the following contents:

  • Expensive belongings
  • Electronic goods such as laptops, televisions, etc.
  • Precious goods like gemstones, jewelry, etc.
  • Appliances such as washing machine, refrigerator, kitchen appliances
  • Furniture
  • Furnishing Items

What is not covered under Home Insurance?

  • Willful destruction of property
  • Loss, damage or destruction caused by -Negligence, wear and tear, civil war and nuclear weapons


Plan Reviews

 What's New


Hear our customers

I would like to thank the website 'www.policybazaar.com' because of which i could get a good policy. Rashmi Sirsath -

Very simple to use, friendly website Shraddha Sharma - Mumbai

Very professional approach with courteus communication. I came on the site without any prior knowledge of Investment products. The site is easy to comprehend and advisors are equally knowledgable Xavier Prince -

Our partners
  • aegonlife
  • apollo
  • Aviva
  • Bajaj
  • baxa
  • cigna
  • edelweisstokio
  • exidelife
  • hdfcstandard
  • indiafirst
  • idbi
  • iffco
  • indiafirst
  • Kotak
  • liberty
  • lic
  • L&T
  • metlife
  • Max-Bupa
  • maxlife
  • Reliance
  • religare
  • royal
  • sahara
  • sbilife
  • star-health
  • Tata-Aia
  • Tata-Aig
  • Future Generali
Comparison of insurance products is undertaken by Accurex marketing and consulting Private Limited. Insurance is the subject matter of solicitation. © Copyright 2008-2015 policybazaar.com. All Rights Reserved.
Call us at 24*7 Support 1800 103 3999
Request a Callback
Will you recommend us to a friend
Characters limit 500