Home Insurance

Home insurance also known as property insurance or homeowner insurance covers the structure as well as the content of the home from unexpected loss or damage caused due to theft, natural calamity, fire accident, etc. A home insurance policy provides coverage for your own house, rented house, apartment or luxury mansion as well.

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Benefits & Features of Home Insurance

Here are several benefits and features of a home insurance policy:

Benefits and Features of Home Insurance Benefits and Features of Home Insurance
  • You can get comprehensive coverage for both content and structure of your house.
  • Purchase the right home insurance plan and stay tension free from any unforeseen damage.
  • Purchasing home insurance can help the insured go through the rebuilding process quickly.
  • People who do not want to buy a comprehensive home insurance policy can buy a Fire Insurance Plan that will offer a cover against perils like fire, etc. Nevertheless, you should not forget that the coverage offered by a comprehensive house insurance plan is much higher.
  • Moreover, many house insurance companies also offer riders like Temporary Resettlement Cover, Loss of Rent Cover, Dog Insurance Cover, etc.
  • This is not it; the house insurance claim settlement process is hassle-free and quick in many cases.
  • A home insurance policy provides coverage for valuable items such as jewellery, paintings, etc.

Home Insurance Policy Tenure

Home insurance policies are available for long-term as well as for a policy term of one year. Long-term home insurance policies come with a policy tenure of more than one year. Take a look at the following policy tenure options under home insurance:

Coverage Policy Tenure
Building Structure Only 1 to 10 years
Home Contents Only 1 to 5 years
Building Structure and Home Contents 1 to 10 years

Best Home Insurance Plans in India

The following table showcases a list of all the insurance companies offering home insurance plans in India along with their coverage and benefits:

Home Insurance Providers Eligibility Benefits Coverage Optional Covers
Bajaj AllianzHome Insurance Homeowners/ Tenants - - Fire & allied perils
- Loss of documents
- Home burglary
- In-transit loss or damage to household goods
- Personal accident cover
- Loss of rent
- Coverage for pedigree pets
- Alternate accommodation expenses
- Loss of baggage
- Third party and employee liabilities
Terrorism cover
Bharti AXA Home Insurance Homeowners/ Tenants 10% automatic increase in sum insured on newly purchased goods - Fire & allied perils
- Loss of documents
- Home burglary
- In-transit loss or damage to household goods
- Personal accident cover
- Loss of rent
- Coverage for pedigree pets
- Alternate accommodation expenses
- Loss of baggage
- Third party and employee liabilities
Terrorism cover
Cholamandalam Home Insurance Homeowners/ Tenants - - Fire & allied perils
- All risk cover for jewellery
- Burglary & housebreaking
- Breakdown of home appliances & home utility
- Loss/ damage to personal baggage
- Damages to fixed plate glass
- Personal accident cover
- Temporary/ total permanent relocation
- Coverage for pet animals
- Garden cover
- Education benefit
- Employee benefit
Terrorism cover
Future Generali Home Insurance Homeowners/ Tenants - - Fire & allied perils
- Protection of jewellery/ valuables
- Burglary/ housebreaking/ theft
- Breakdown of the portable computer
- Protection of household electrical/ mechanical equipment
- Protection of electronic equipment
- Tenants legal liability
- Personal accident cover
- Domestic workmen compensation
- Enhanced protection covers, including baggage loss, pedal cycle, misuse of credit card, plate glass and ATM cash withdrawal
- Public liability
- Veterinary costs
- Home loan EMI
-
IFFCO Tokio Home Insurance Homeowners/ Tenants Worldwide coverage of personal liability - Fire & allied perils
- Personal accident cover
- Burglary & Housebreaking
- Jewellery & valuables
- Domestic appliances & electronic equipments
- All risk for fine arts
- Breakdown of domestic appliances
- Fixed glass & sanitary fittings
- Pedal cycle
- Loan payment protection
- Personal & public liability
- Baggage loss
- Employees compensation
- Increased living expenses
- Tenants liability
- Coverage for contents of children studying outside
- Escalation clause
- Professional fees
- Debris removal
- Loss of rent
- Pets cover
- Money cover
- Tress and plant cover
- Documents & cards
- Accidental medical benefit
National Insurance Home Insurance Homeowners/ Tenants/ Housing Societies - - Fire & allied perils
- Jewellery/ valuables
- Burglary
- Plate glass
- TV sets
- Breakage of domestic appliances
- Pedal cycles
- Personal accident cover
- Baggage loss
-
New India Assurance Home Insurance Homeowners/ Tenants Savings options on opting more sections - Fire & allied perils
- Jewellery & valuables
- Burglary & housebreaking
- Breakdown of domestic appliances
- TV/ desktop insurance
- Baggage insurance
- Pedal cycle
- Personal accident cover
- Public liability
Earthquake & terrorism cover
Oriental Home Insurance Homeowners/ Tenants/ Housing Societies Savings options such as long-term policy discount, section discount, security arrangement discount, etc. - Fire & allied perils
- All risks for jewellery & valuables
- Housebreaking
- Plate glass
- Personal computer & laptop
- Domestic appliances
- Pedal cycle
- Personal accident cover
- Loss of baggage
- Public liability
- Workmen compensation
Terrorism cover
Raheja QBE Home Insurance Homeowners - - Fire & allied perils
- Burglary & housebreaking
- Debris removal
- Architect/ Consulting Engineer/ Surveyor Fee
- Earthquake cover
- Loss of rent
- Leakage & contamination cover
- Terrorism damage cover
- Spontaneous combustion
- Impact damage due to own vehicle
Reliance Home Insurance Homeowners/ Tenants No paperwork - Fire & allied perils
- Jewellery & other valuables
- Burglary, housebreaking & theft
- Domestic machinery breakdown
- Personal accident cover
- Fixed plate glass
-
Royal Sundaram Home Insurance Homeowners/ Tenants - Escalation benefit for long-term policies
- Zero depreciation cover under the Diamond plan
- No documentation
- Tenure discount
- Fire & allied perils
- Jewellery & valuables
- Burglary
- Electrical & mechanical breakdown
- Temporary resettlement
- Loss of cash
- Accidental damage
- Baggage loss
- Mobile equipments
- Third party liabilities
- External equipments
- Personal liability
- Employee compensation
- Paintings and work of art
- Rent for an alternate accommodation
- Personal accident cover
- Loss of rent
- Employee compensation
- Terrorism cover
SBI Home Insurance Homeowners/ Tenants - Worldwide personal accident cover
- Savings options such as tenure discount, section discount, etc.
- Global coverage for jewellery/ valuables & baggage
- Cumulative bonus under PA cover
- Standard fire & special perils
- All risk cover for jewellery, portable equipments & valuables
- Burglary & theft
- Baggage loss
- Breakdown of domestic appliances
- Loss of in-transit cash
- Public liability
- Plate glass
- Personal accident cover
- Key replacement cover
- Rent expenses for an alternate accommodation
- Terrorism cover
- Debris removal
- Impact damage by own vehicle
- Loss of rent
- Surveyor/ architect/ consulting engineer’s fee
- Temporary resettlement expenses
Shriram General Home Insurance Homeowners/ Tenants Terrorism & theft exclusion discount - Standard fire & special perils
- Personal accident cover
- Burglary/ housebreaking
- Employee Compensation
- All risk cover for jewellery, valuables & portable equipments
- Plate glass & sanitary fittings
- Breakdown of electrical & mechanical appliances
- Baggage loss
- Electronic equipment insurance
- Public liability
- Removal of debris
- Surveyor, architect & consulting engineer’s fee
- Escalation clause
- Earthquake cover
- Impact damage
- Terrorism cover
- Loss of rent
- Rent for an alternate accommodation
- Theft cover
- Third party liability
- Purchase protection extension
- Extra facilities extension
Universal Sompo Home Insurance Homeowners - - Fire & allied perils
- All risk cover for jewellery & valuables
- Burglary & robbery
- Plate glass
- Breakdown of domestic appliances
- Electronic equipment
- Personal accident cover
- Baggage insurance
- Public liability
Terrorism cover
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Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Home insurance

Types of Home Insurance Policies

Home insurance In India, generally, the following types of home insurance policies are offered, which are:

Types of Home Insurance Policies Types of Home Insurance Policies

Standard Fire and Special Perils Policy

A Standard Fire and Special Perils essentially provide cover to the home against any loss/damage incurred due to any natural calamity such as earthquake, volcanic eruption, etc man-made calamity, any missile testing operations, overflowing of water from tanks, pipes, and so on.

Public Liability Coverage

On the off chance, there is a possibility that any of the guests or any third-party may encounter any loss or damage caused either to them or the property within the insured’s house. Under such circumstances, this house insurance comes at your rescue.

Burglary and Theft

In case of any robbery or theft that happens in the insured house causing damage to the contents present in the house, this house insurance policy provides cover for the equivalent.

Personal Accident

This house insurance protects you and your family. In an unfortunate event such as an accident or any physical injury incurred anywhere across the globe, which led to a permanent disablement or demise of the insured person then the compensation for the same shall be provided.

Contents Insurance

Remember, buying this house insurance assures that not just the house beside every content present in the home is valuable and it protects the goods from any damage or loss under perilous situations like fire, theft, and so on.

Right from the refrigerator, television sets to any important document are covered within this house insurance policy. When the interior of your house is destroyed due to mishap such as flood or has been burnt to ashes under a fire outbreak this house insurance will provide you with a cover.

Landlord Insurance

If you are a landlord, you need to maintain the building/flat and its structure. It is a big responsibility.

Besides, a standard building insurance policy is generally not designed catering the interest of a landlord. So having this house insurance policy is necessary, as it will protect you from any loss of rent or public liability.

Tenant Insurance

If you are, tenant it means that you might be residing in a rented flat or house. Therefore, if you are a tenant, opt for choosing a cover for the content that belongs to you.

Bharat Griha Raksha

Bharat Griha Raksha is a Standard Fire and Special Perils policy. This policy covers wide range of perils such as fire, natural catastrophes (Strom, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood, Inundation, Earthquake, Subsidence, Landslide, Rockslide) Forest, Jungle and Bush fires, impact damage of any kind Riot, Strike, Malicious Damages, Acts of terrorism, Bursting and overflowing of any of the aforesaid events.

Besides offering coverage for the home building, the policy covers General Home Contents automatically without any need for details declaration for 20% of the Sum Insured for the building subject to a maximum of Rs. 10 Lakhs. One can also opt for a higher Sum Insured for general contents by declaring details.

This policy also offers two optional covers. They are as follows:

  • Insurance for Valuable Contents such as Jewellery and Curios.
  • Personal Accident of the insured and spouse due to an insured peril under the policy.

Bharat Griha Raksha policy gives right to the policyholder to claim in case of underinsurance. In simple words, if the policyholder declares less Sum Insured than what was declared for the property then policyholder’s claim will get settled up to the Sum insured that was declared at the time of purchasing the policy.

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Inclusions in Home and Property Insurance

Home and property insurance covers losses to the structure and content of your home/ property due to natural and man-made calamities.

Home Insurance Coverage Home Insurance Coverage

Fire and Perils Cover

  • Aircraft damage
  • Fire
  • Lightning
  • Riot, strike
  • Storm, cyclone, flood
  • Missile testing operations

Earthquake Cover

The policy offers coverage against loss or damage to any of the insured property. However, many policies do not cover flood or overflow of the sea, rivers and lakes due to earthquake.

Burglary and Theft Cover

The contents of the home are also covered against burglary or theft. This type of property insurance coverage will also be extended to silver articles, jewellery, precious stones and other valuable items, provided these are kept in a locked safe within your home premises.

Home insurance Plan

Exclusions in Home Insurance

Home Insurance Exclusions Home Insurance Exclusions
  • Loss or damage caused by wear & tear and depreciation
  • Loss of cash
  • Loss or damage caused by war, invasion, the act of a foreign country
  • Loss or damage caused by nuclear war
  • Loss, destruction or damage caused to any electronic equipment due to over-running or excessive pressure
  • Earth’s Movement: Damages that occurred due to volcanic actions of erosion is in many cases not included.
  • Anypre-existing damage such as wear and tear of any other defect.
Home insurance India

Eligibility Criteria to Buy Home Insurance Plan

Anyone fulfilling the following criteria is eligible to buy a home insurance policy:

Eligibility Criteria to Buy Home Insurance Eligibility Criteria to Buy Home Insurance
  • Anyone willing to buy property insurance must be a resident of India.
  • The policy can be bought by individuals as well as by companies.
  • A house insurance multi-year policy can be bought either by the owner of the house or the flat.
  • The person intending to buy property insurance must own the property or should reside in the property.
  • In case you live in a society, then you must be a member of the society managing committee.
  • To purchase house insurance for the society, the member of the society managing committee can make the purchase. The policy will cover the society as well as the utilities, which are in the common use of the society.
Home insurance Policy

Why Should You Buy Home Insurance Policy?

When you are a homeowner, it is important to secure your home from every possible peril. Let us understand some reasons, which make buying house insurance a necessity:

  • First things first, house insurance is important as it protects your dwelling from any damage/loss that may incur at any point in time. For instance, if a tree fell upon the roof of your house or a vehicle collided with the boundary wall of your home premises, the right type of property insurance will cover the incurred expenses.
  • On the off chance, if you intend to take a loan to either construct a house or buy a house the bank will ask you to provide evidence that the property is insured on, which you are looking forward to taking a loan.
  • In case, if a third-person suffers any kind of injury while on your property, having a home insurance policy will secure you from any legal and third-party liabilities.
  • In case of damage occurs to the insured property, having the right property insurance will provide cover for the repair expenses.
  • It also provides cover for the appliances such as air conditioners, refrigerators, television, microwaves and other electrical appliances, furniture and furnishings and at times the jewellery as well depending on the type of house insurance plan you choose.
  • Choosing the right property insurance provides coverage even if you are not present at your home and you are at a distant place. Besides, in the process of repairment/reconstruction, alternate accommodation for a specified time will also be arranged. A home insurance policy will cover all the incurred expenses.
  • The home insurance policy also provides cover for any damage/loss incurred either due to theft or robbery.
  • Last and not least, a property insurance policy gives you a sense of satisfaction and peace of mind as it will secure you from any unwanted fiscal cost.
factors-affecting-home-insurance-rates factors-affecting-home-insurance-rates

How to Apply for a Home Insurance Online?

The following are the basic steps involved in buying a home insurance policy online:

  • Once you have chosen the home insurance policy that suits your needs, all you need to do is click either the ‘Apply Online or ‘Buy Online tab.
  • While applying home insurance policy online, the following information will be required to understand the type of property you intend to insure. The following details might be asked:
  • Whether the property is rented or self-owned
  • The period of the policy required
  • The policy will cover the structure of the property or will cover the structure and the contents.
  • Location of the property
  • Age of the property
  • Type of the property
  • Personal information along with contact details
  • Once you give all the asked and relevant subtleties, you will get to know the premium amount that you end up paying while buying the home insurance policy.
  • Before you make the payment, cross-check for the provided information. Besides, re-read the terms and conditions of the policy scheduled. Make the payment only when you are convinced with the plan.
  • The payment can be made online either using any credit/debit cards or via net banking.
  • Keep and save the fine print of the policy schedule.
Home insurance Plans

How to Lower Your Home Insurance Premium?

Strategies that can help in bringing your house insurance cost down are-

Home Insurance Premium Home Insurance Premium
  • Reduce your liability by agreeing to share the burden of repairing. It will help in reducing your premium.
  • There are many such things in our house which are precious to us but there is no point in insuring them if they are too old. For instance, your 10 years old black & white TV might be working well, but there is no point in insuring it at a depreciated value. Be wary while making an inventory of products to be insured.
  • Take two or more insurance covers to become eligible to get discounts.
  • Like any other insurance plan, if insurers are convinced that you have installed all safety equipment at your home then you will become eligible to get discounted premium. If you have security guards posted 24x7 in the building and fire safety alarms installed at home, then you will get discounts on premiums.

Who Should Buy Home Insurance Plan?

Household insurance policy is for people who have a home whether own or rented. There is a myth that only home-owners should buy a home insurance plan. Let us tell you a case of Mr Vijay Rao and how having a property insurance policy saved him during a crisis.

Two months after Mr Rao moved to a rented apartment in Mumbai, a catastrophic fire engulfed furniture and other appliances worth Rs 8 lakh. Thankfully, he had the right type of flat insurance policy and he could manage to settle back to normal life again easily and without any financial stress.

It is a misconception that only house owners should buy home insurance. Although, the house may belong to a landlord it has contents which belong to you which makes it imperative to buy a property and casualty insurance. Irrespective of the fact that whether you are a tenant or owner, buying home insurance should be your top priority.

Even, there are various house insurance providers, which provide exciting discounts to people who have bought over 3 home insurance covers. However, do not let discounts make you buy those covers, which you do not need. For instance, if you are a landlord then avoid buying a property insurance policy to cover the contents of the house. Leave that to the tenant.

There are various property and casualty insurance providers who offer discounts if you buy it for a longer duration. You can ensure the house for up to 10 years, which not only gives peace of mind but you also get a chance to earn lucrative discounts.

Home insurance

How to Raise Claim under Home Insurance

Here are the steps that you can follow to raise a claim under home insurance policy:

Home Insurance Claim Process Home Insurance Claim Process
  • Inform the insurance providers in regards to the claim by calling on the respective round-the-clock toll-free number.
  • Once the Fir is lodged and the insurance provider is notified in regards to the same, the policyholder should provide all the important and relevant information in regards to the bought policy as well as the damage incurred.
  • Once the claim request is been intimidated by the insurance provider, the claim request is validated and verified. After this, the claim settlement request is thereafter taken forward to the Claims department of the particular insurance company.
  • Within the next 48 hours or so, a surveyor is sent to inspect the damage or loss and accordingly prepares a report.
  • Further, all required documents are submitted to the surveyor. The Final Survey report is prepared by the surveyor, which will be submitted to the insurance provider along with the required documents and sent within 7 days.

Documents Required to Raise Home Insurance Claim

Here are the following documents that you need to submit along with the claim form to raise a claim under the home insurance policy:

  • Fire brigade report
  • Medical Officer’s Certificate for death or disability
  • An investigation report by police
  • Suppliers original invoice for replacement
  • Invoice of owned articles, if any
  • FIR Copy, if any
  • Repair estimates
  • Court summons

Note: This is an indicative list and you may be asked to submit other documents at the time of claim settlement.

Handy Tips for Choosing a Home Insurance Plans in India

Various home insurance providers in India offer different plans as per individual needs. To ease your selection, we have listed down important points, which should be compared while choosing one home insurance provider over others:

Check Premium and Coverage

Firstly, evaluate risks, which your home is facing or might face in the future. For example, if you live in a flood-prone area then you should ensure that your property insurance policy is covering these risks also. While checking coverage, it is prudent to check if the premium fits within your budget or not.

For the same, you can use a property insurance calculator. Or you can solicit premium quotes of individual insurers or use the comparison chart to compare property insurance premium quotes and then accordingly opt for a property insurance policy.

Check Claim Settlement Ratio

A good company is judged by the turnaround time of settling claims. The very purpose of insurance will be defeated if you do not get a claim when it is required. Therefore, it is worthwhile to check the claim settlement record of property insurance providers before zeroing in on any house insurance providers.

Look at the Company’s Reputation

The first and foremost characteristics of a good company are that it has customer-friendly staff. Does your house insurance provider have competent customer service representatives who are capable enough to resolve your queries quickly? It is always important to choose a property insurance provider who is well equipped to assist you at any point in time.

FAQs About Home Insurance

  • Q: Which contents are covered under a home insurance policy?

    Ans: Home insurance covers the following contents-
    1. Furniture
    2. Furnishing items
    3. Expensive belongings
    4. Precious items like jewelry, gemstones, etc.
    5. Electronic items like laptops, televisions, etc.
    6. Home appliances like refrigerator, washing machines, etc.
  • Q. Is it compulsory to buy home insurance from the designated bank?

    Ans: No. It is not compulsory for you to buy a home insurance policy from the bank sanctioning your home loan. Neither the Reserve Bank of India (RBI) nor the Insurance Regulatory & Development Authority (IRDA) of India has issued any guidelines that mandate you to buy home insurance from the bank where you have applied for a home loan. You can choose to buy homeowners insurance from any insurer of your choice. In case you designated bank forces you to buy home insurance from them, you can refuse them and file a complaint against them to the banking ombudsman.
  • Q: What do you mean by reinstatement cost?

    Ans: It is the cost which would incur on reconstructing the damaged property. As per standard regulations, reinstatement cost includes value of foundation and it doesn’t include land cost.
  • Q: How is the sum assured computed?

    Ans: Sum assured for the structure and content is calculated separately in following pattern.

    Sum assured for the structure

    Sum assured= Built up area x cost of construction per square foot

    It is computed on the basis of reconstruction value and not on its market value. For instance, if the built up area of your house is 1500 sq. ft and the construction rate decided by the insurer is Rs 1000 per sq. ft., sum insured for your home structure would be Rs 15,00,000.

    Sum assured for the content

    It is calculated either from the actual cash value (ACV) of the asset or from the replacement cost, i.e., Current Market Value – Depreciation

  • Q: Is compound wall covered by home insurance?

    Ans: Yes, the compound wall of your house will be covered by home insurance as long as it is not a kutcha construction.
  • Q: Can I increase sum assured in my policy?

    Ans: Yes, insurance companies allow you to increase sum assured value in your policy. At the time of increasing in value, you will need to pay a higher premium for the increased sum assured for the remaining tenure.
  • Q: Can I insure my house let out for rent?

    Ans: Yes, you can insure your house as long as it is used as a residence and not for commercial purpose. Also the home should not be a kutcha construction.
  • Q: What is debris removal? Do insurance companies cover debris removal?

    Ans: If your home gets damaged then damaged portion may occupy space. You would have to remove debris to reconstruct your house. It is known as debris removal. There are many insurance companies which reimburse the amount spent on debris removal, subject to deductions.
  • Q: Can an entire building or society be covered under a home insurance policy?

    Ans: Yes, an entire building or housing society can be covered under a home insurance plan for protection to the structure and common areas of the society. However, it will not cover the contents of individual houses or flats.
  • Q: Is FIR necessary for home insurance claim?

    Ans: Filing an FIR is mandatory in case your house has been damaged due to riots, burglary, strike, malicious damage, terrorism and larceny. However, it is not necessary for the following situations-
    1. Flood
    2. Earthquake
    3. Storm
    4. Lighting

    Impact damage due to accidental losses

  • Q: When does the insurance cover start?

    Ans: Usually, home insurance coverage starts from the time your payment is received by the insurer. Some companies also commence policy coverage after seven days of paying the policy premium.
  • Q: What happens to the home insurance policy if I sell my house?

    Ans: From the time, transfer of house ownership becomes effective, home insurance policy stands cancelled. The insurer will refund the remaining premium for the balance period to the insured.
  • Q: Can I take home insurance policy from 2 companies?

    Ans: Yes, you can buy home insurance policy from two companies. At the time of claim both companies will pay you on a proportionate basis.
  • Q: Can I make a claim on my partially damaged home?

    Ans: Yes, you can make a claim on a partially damaged home.
  • Q: What is the procedure to make a claim on partially damaged house?

    Ans: Make sure you follow below steps to make a claim on partially damaged house-
    1. Inform the insurance company and send a duly filled form along with a rough estimate of the repairing work. Do not undertake any repairing at this stage, otherwise your insurer may reject your claim.
    2. After receiving claim form and requisite documents, a surveyor, appointed by the insurer, will visit your house to assess damages.
    3. The surveyor will file a report on the basis his findings. Based on his input, insurer will either accept or reject your claim application.
    4. After the completion of work, the surveyor will re-visit your house and submit a detailed report about repair and cost to the insurance company.
    5. After receiving bills and receipts, net liability will be computed on the basis of surveyor’s recommendation and applicable deductibles.
    6. If your claim is accepted, a cheque will be send to you at your postal address. However, if due to any reason, your claim is rejected, insurer will send a repudiation letter.
  • Q: My house is damaged due to fire. Can I go ahead, do repair work and then send bills for reimbursement to the insurance company?

    Ans: If your home is damaged, never undertake repair work without informing the insurance company, otherwise your claim will be rejected. Take following steps to make a claim in case of fire accidents.
    1. Inform the insurer by calling customer support number or via email.
    2. A surveyor, appointed by the insurer, will visit your house to assess damages and repair which need to be done and accordingly he will give a go-ahead for it. Never start repairing work before surveyor asses your house otherwise insurance company will not be liable to accept your claim form.
    3. Once the repair work is completed, surveyor will revisit your home. You can submit the duly filled claim form, fire brigade reports and bills to the surveyor along with additional documents requested to process claim.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 120 Reviews)
Home Insurance Reviews & Ratings
4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
Virendra
Bokaro, May 21, 2022
Coverage for natural calamity
I was looking for an insurance policy that provides me coverage for natural calamity. Since my house is located near a river and it floods my area in the rainy season. So i went on the Policybazaar website and particularly look for this coverage found the exact plan that provides this coverage.
Sunil
Bilaspur, May 20, 2022
Premium Calculation
I was looking for a home insurance policy online. I stumblled upon the Policybazaar website and it is one of the best online platforms to purchase home insurance policy. I learned about the insurance plan i wanted to purchase and after choosing the plan and add ons i could calculate the premium using their online premium calculator. Thanks Policybazaar.
Manish
Bikaner, May 19, 2022
Natural Calamity cover
I have recently purchased a flat and wanted to cover it with a home insurance policy. I was aware of the Policybazaar website so i thought i should give it a try. I went on their website and as i wanted to cover my flat with a natural calamity cover specifically i searched for it and without wasting a minute it showed me the natural calamity coverage.
Mohit
Amritsar, May 18, 2022
Enough coverage
I was looking for a home insurance plan online. I was fed up as i have to visit different websites to look for a single suitable insurance plan. However, i stumbbled upon Policybazaar website where i was able to find the right insurance plan that could provide me enough coverage.
Sahil
Bareilly, May 17, 2022
Nice customer service
I wanted to purchase a home insurance policy and a friend of mine suggested to purchase it from Policybazaar. I bought the policy and after that i had a confusion regarding exclusions so i called up Policybazaar customer care and they cleared out the confusion and i loved their customer service.
Jitendra
Ajmer, May 16, 2022
Qiuck claim
I purchased a home insurance policy recently. However, due to a natural calamity, my house was damaged as the pressure of the water because of flood broke the enterance door of my house. But the insurance plan that i bought got me covered and i as able to get the quickest claim possible.
Prashant
Delhi, May 15, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension free now.
Sharad
Kolkata, May 14, 2022
Wide coverage
The home insurance plan that i purchased from policybazaar's website is a great plan that provides me coverage for not only the structure but also cover several expensive content of the home such as paintings, mobile phones, laptops, television, etc.
Ravi
Ahmedabad, May 13, 2022
Suitable insurance plan
I purchased the group health insurance policy from Policybazaar website. First of all, i did not have to wander much online while lookig for a home insurance plan that fits my requirement and i found the suitbale home insurance plan by comparing different plans on the website.
Yashashvi
Amritsar, May 12, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
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