Bharti AXA Home Insurance

Bharti AXA home insurance is a comprehensive policy designed by Bharti AXA General Insurance to cover houses against any unpredictable events resulting in losses or damages. It covers the building structure as well as home contents of a house from incidents of fire, theft, natural disasters, accidental damage, manmade disasters, impact damage, etc. This Bharti AXA property insurance can be purchased by both homeowners as well as people living in rented accommodations.

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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹ 9/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

Protect your house from calamities

cover starting just @ ₹9/month*

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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹ 9/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

Features and Benefits of Bharti AXA Home Insurance

Buying a house or building one is always special. Doing so requires a big investment and most people are able to afford it after years of savings or by taking a home loan. Moreover, you put in extra effort into designing the house and choosing everything, from furniture to curtains, as per your liking. With so much efforts and money involved, the last thing you would want is to see your house damaged or its contents destroyed in the event of a calamity. This is where home insurance, such as Bharti AXA home insurance, steps in to protect your home & its contents while allowing you to sleep peacefully at night.

Take a look at some of the most interesting features and benefits of buying Bharti AXA home insurance:

  • Covers buildings as well as home contents
  • Available to both homeowners and tenants
  • Jewellery or valuables covered pan India
  • Personal accident cover for the entire family
  • Coverage for up to 3 pedigree pets
  • 10% increase in sum insured on newly-purchased household items
  • Covers alterations and improvements to the building for up to 10%
  • Claim settlement within 10 days
  • Reinstatement of the sum insured

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Inclusions of Bharti AXA Home Insurance

Bharti AXA property insurance covers any loss or damages arising out of the following risks:

  • Fire & Allied Perils– It covers any loss or damages to the building structure, contents, fittings and fixtures of the house due to the following reasons:
    • Fire
    • Explosion/ implosion
    • Lightning
    • Aircraft damage
    • Natural disasters, such as earthquake, floods, bush fire, rockslides, etc.
    • Manmade hazards, such as malicious damage, riots and strikes
    • Impact damage
    • Automatic sprinkler leakage
    • Missile testing operations
    • Overflowing/ bursting of water apparatus, pipes or tanks
  • Burglary, Housebreaking & Theft - It covers the home contents against any loss due to burglary, theft, housebreaking and hold-up.
  • In-Transit Household Goods - Bharti AXA property insurance compensates for the loss or damages to household goods and appliances while being transported by packers movers from the old house to the new house.
  • Jewellery & Valuables – It covers any loss or damages to the jewellery or valuables arising out of burglary, robbery, housebreaking, theft, snatching or waylaying anywhere in India.
  • Loss of Documents – It covers any expenses incurred on obtaining the replacement of loss documents such as passport, title deeds, etc.
  • Breakdown of Domestic Appliances – Bharti AXA property insurance covers any expenses or losses incurred due to breakdown of domestic home appliances including electronic appliances, such as laptop and personal computer.
  • Personal Accident Cover – It covers the policyholder and his family members against any accidental injuries leading to their disablement or death. In addition to the compensation, it also provides education fund towards the dependent children of the policyholder up to 23 years of age.
  • Additional Rent for Alternate Accommodation – Bharti AXA will pay for any expenses incurred towards the payment of additional rent for an alternate accommodation taken up by the policyholder in case the insured house has been damaged or destroyed due to fire & allied perils.
  • Loss of Rent – It covers any loss of rent incurred by the policyholder if the insured house or part of the building has been deemed unfit for residency or occupation following damages due to fire & allied perils.
  • Pedigree Pet Cover – Bharti AXA home insurance provides compensation in case of theft or accidental death of up to three pedigree pets.
  • Legal Liabilities – It covers any legal liability of the policyholder towards his employees or domestic servants in case they get injured or die while working in the house. It also takes care of any third party liabilities of the policyholder in case of accidental property damages or bodily injuries to the third party.
  • Loss of Baggage – It will compensate for the loss or damages to any accompanied baggage of the policyholder or his family members while travelling anywhere within India.
  • Locks and Keys – Bharti AXA property insurance indemnifies any accidental loss or damages to the lock and keys of the house.
  • Fixed Plate Glass & Sanitary Ware – It covers any loss or damages to the fixed plate glass as well as sanitary ware in the insured house.
  • Fire Extinguishing Expenses – It provides reimbursement of any expenses incurred on extinguishing the fire in the house.

Optional Cover:

Optional covers refer to those covers that the homeowner or the tenant has to opt for under his Bharti AXA home insurance policy on paying a higher premium amount. Bharti AXA property insurance offers the following optional cover:

  • Terrorism Damage Cover – It covers any loss or damages caused to the contents of the house directly or indirectly due to an act of terrorism.
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Exclusions of Bharti AXA Home Insurance

Any claims arising out of the following risks or situations will be rejected under the Bharti AXA home insurance policy:

  • War – Any loss or damage to the house or its contents due to war, civil war, invasion, revolution or events of similar nature is not covered.
  • Fragile article damage - Cracking, scratching or breakage of lens in respect of articles of brittle and fragile nature is not covered.
  • Negligence – It does not cover any loss or damages to the home appliances due to the negligence of the policyholder or his family members.
  • Intentional Damages – This policy will not cover any intentional damages or losses incurred on household appliances.
  • Nuclear Perils – It does not cover any damage or destruction to the house caused due to nuclear radiation, contamination, etc.
  • Consequential Loss – Any kind of consequential loss or damages after the occurrence of peril are not covered under this Bharti AXA home insurance policy.
  • Pollution – This policy does not cover any loss or damages to the house resulting out of contamination or pollution.
  • Volcanic Eruption – It does not cover any loss or damages caused to the house due to a volcanic eruption.
  • Gradual Wear & Tear – It will not cover any gradual wear & tear of the home appliances or depreciation in their value.
  • Kutcha Construction – It does not cover any houses or buildings made of kutcha construction.

Who Can Apply for Bharti AXA Home Insurance?

The following people can buy Bharti AXA property insurance:

  • Homeowners or people who reside in houses owned by themselves
  • Tenants or people who stay in a rented place
  • Occupants of houses located within India

Claim Procedure for Bharti AXA Home Insurance

If in an unfortunate event your house gets damaged or destroyed, you should immediately contact Bharti AXA and register a claim with them. The procedure to file a claim with Bharti AXA home insurance is very simple. Mentioned below is the step-by-step procedure of raising a claim with Bharti AXA home insurance:

  • Inform the help desk of Bharti AXA about the unfortunate event via email or phone
  • You have to provide details such as policy number, nature & extent of the loss, date, time & location of the loss, etc.
  • Bharti AXA may send a surveyor to take an account of the damages or losses incurred
  • Submit all the required documents to the insurer
  • The surveyor will submit his assessment report to the insurer
  • Bharti AXA will verify your claim based on the documents submitted and the assessment report
  • The Company will release the payment of the claim amount within 10 days

Remember not to get the damaged house cleaned or renovated unless the surveyor has visited the location.

Documents Required to Register a Claim

The policyholder may be required to submit the following documents while registering a claim with Bharti AXA home insurance:

  • Duly signed home insurance claim form
  • Contact details of the policyholder
  • Policy document
  • Proof of house ownership
  • Police FIR (in case of burglary and third party liability claims)
  • Tenant rent agreement
  • Estimated repair/ renovation bill
  • Repair bill of damaged goods
  • Purchase invoice of replaced goods
  • Fire brigade report
  • Final police investigation report
  • Final repair/ renovation bill
  • Details of bank account
  • Evidence of rent expenses for the alternate accommodation
  • Legal court notices or summons (if any)

Bharti AXA Home Insurance Renewal Process

It is important to timely renew your Bharti AXA home insurance policy to maintain the coverage on your house. Anyone can easily renew their Bharti AXA property insurance policy by following the simple steps given below:

  • Visit the home insurance page on the website
  • Fill up the form with details of your house
  • Enter the details of your existing home insurance policy
  • Provide your contact details such as name, location, phone number
  • Review the details of your Bharti AXA home insurance policy
  • Pay the renewal premium amount online
  • Bharti AXA will renew your property insurance policy
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Bharti AXA Home Insurance FAQs

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Average Rating
(Based on 28 Reviews)

Bharti AXA Home Insurance Reviews & Ratings

4.1 / 5 (Based on 28 Reviews)
(Showing Newest 10 reviews)
Dabugam, September 24, 2020
Less documentation
The documents work needs to be done very carefully and it can be done online with the help of policybazaar.
R.k.nagar, September 24, 2020
My bharti axa home insurance policy which I bought from the policybazaar has provided with lot of coverage and additional benefits. Thank you so much policybazaar.
Bablabona, September 11, 2020
Affordable in nature
The premium rate of the bharti axa home insurance which I bought two months back from the plicybazaar is very good and it has provided me with several benefits.
Babhleshwar, September 11, 2020
Good plan
I have recently got the bharti axa home insurance policy from the policybazaar. It is one of the best thing I found into the website of the policybazaar very useful. Thank you so much team.
Gangapur, August 01, 2016
Good Investment
Recently my friend show me his insurance policy, very impressive terms and conditions i have seen in it. Then i purchased it for my self the insurance is bharti axa home insurance plan in very low budget. The cover is huge and claims are easy to approved because of fast service.
Bhagpat, July 21, 2016
Bharti home insurance
I have bharti axa home insurance plan which facilitate me the best service among all the others. Burglary, theft, housebreaking losses are reimbursable and even valuable belongings too. The policy provides not only home security but it saves taxes too.
Kutumba, July 05, 2016
Home Security
My home insurance plan is very good which has great service provided by the company members. Policy coverage is good and claims are high which easily sanctioned. Premiums are less and payback returns are high. Updates can be seen on online service.
Gangapur, June 24, 2016
Fine Home Insurance
The home insurance plan is good and it gives many benefits like it insure most of the belongings present in the house. The theft, burglary, housebreaking problems are reimbursed by the insurance policy b y the company. Good investment plan, which reduce my taxes too.
Nasik, June 01, 2016
Great Deal
Home insurance plan provided by bharti axa general insurance is great. The premium is low and claims are good. Claims easily sanctioned due to fast service facilitate by executives and staff members. This plan covers the accidental loss or damage caused due to personal baggage which the insured person or his family member carries while travelling anywhere in India.
Gurgaon, June 01, 2016
I got very nice policy, bharti axa home insurance plan. The premium is low and the policy coverage is high ~90%. Home insurance plans covers the loss from burglary, fire and natural calamities. The plans cover for jewellery, valuable art work and other valuables too. Executives facilitate good service with calm nature. I like the plan.