ICICI Complete Home Protect Insurance Plan
Your home is more than just a building. It holds your memories, valuables, and represents a major investment. The Complete Home Protect Insurance Plan helps safeguard your home, belongings, electronics, and lifestyle from unexpected events like fire, floods, earthquakes, theft, storms, and accidental damage. Whether you own an apartment, villa, or independent house, or rent your home, this insurance plan offers financial protection against unexpected risks that could lead to costly repairs or replacements.
Key Highlights of the Plan
- Comprehensive protection for your home building and its contents
- Coverage against fire, theft, flood, earthquake, and natural calamities
- Optional protection for valuables and expensive electronics
- Temporary accommodation and lifestyle protection benefits
- Multiple add-on covers for extra protection
- Digital policy purchase and claim support
- Suitable for homeowners, tenants, and landlords
- Water-logging related damages are covered
- Available for long-term of 5 years
Quick Overview of the ICICI Complete Home Protect Insurance Plan
| Features |
Details |
| Policy Type |
Comprehensive Home Insurance |
| Suitable For |
Homeowners, tenants, landlords |
| Covers |
Home building, contents, valuables |
| Natural Disaster Cover |
Yes |
| Theft Protection |
Yes |
| Add-ons Available |
Yes |
| Personal Accident Cover |
Available |
| Temporary Accommodation Cover |
Available |
| Online Claim Assistance |
Yes |
| Bharat Griha Raksha Based |
Yes |
What Does ICICI Complete Home Protect Insurance Plan Cover?
This comprehensive home insurance policy offers multiple layers of protection for your home building, contents, valuables, and lifestyle.
-
Home Building Cover
The home building cover protects the physical structure of your house against insured risks.
What is Covered?
The policy covers damage caused by:
- Fire
- Explosion or implosion
- Lightning
- Earthquake
- Flood and inundation
- Cyclone, storm, typhoon, and hurricane
- Landslide and rockslide
- Bush fire
- Riot and strike damage
- Terrorism-related damage
- Burst pipes and overflowing water tanks
- Impact damage
What Parts of the Building are Covered?
The cover generally includes:
- Main residential structure
- Walls and roof
- Flooring
- Internal fittings
- Electrical wiring
- Fixed sanitary fittings
- Garage
- Compound wall
- Gates and fences
- Solar panels
- Water storage tanks
- Additional structures within the premises
Additional Benefits Under Building Cover
The policy may also cover:
- Architect and surveyor fees
- Debris removal expenses
- Reconstruction costs
- Loss of rent
- Temporary accommodation support
-
Home Contents Cover
The home contents cover protects the belongings inside your home against insured risks.
What is Covered Under Home Contents Insurance?
The policy may cover:
- Furniture
- Sofas and beds
- Dining tables
- Home appliances
- Refrigerators
- Washing machines
- Microwave ovens
- Televisions
- Laptops and computers
- Kitchen equipment
- Clothing and apparel
- Furnishings
- Home décor items
Built-In Contents Protection
This home insurance plan automatically includes contents coverage based on the building's insured value. You can usually increase this coverage by paying a higher premium.
-
Valuable Items Cover
The policy may also offer protection for valuable household items. Under agreed-value coverage, valuable items may be insured for a pre-agreed valuation amount, helping simplify claim settlement.
Valuable Contents Covered
Coverage may be available for:
- Jewellery
- Gold and silver articles
- Paintings
- Antiques
- Fine art
- Collectibles
- Curios
-
Accidental Damage Cover
Accidental damage cover protects your household items from sudden physical damage. It's especially helpful if you have expensive appliances or high-end interiors.
Examples of Covered Incidents
- Accidental impact damage
- Water spill damage
- Sudden breakage
- Furniture damage
- Damage to household items due to external accidents
-
Mechanical & Electrical Breakdown Cover
Electrical and mechanical breakdown cover helps protect electronic appliances and household equipment against breakdown-related damage. This add-on is useful for households with multiple electronic appliances.
Appliances Commonly Covered
- Air conditioners
- Refrigerators
- Washing machines
- Microwave ovens
- Home theatre systems
- Televisions
- Computers and laptops
- Music systems
-
Theft & Burglary Protection
The policy offers theft and burglary-related protection under applicable sections and add-ons, subject to policy conditions.
Theft-Related Coverage May Include
- Theft of household contents
- Theft of valuables
- Burglary-related damages
- Lock and key replacement
- Certain break-in related expenses such as security upgrades may be covered under applicable sections/add-ons
-
Additional Living Expenses Cover
If your home is temporarily unavailable due to a covered event, the policy can help cover extra living expenses. This support helps you stay financially stable during tough times.
Expenses That May Be Covered
- Hotel stay expenses (it has daily limits)
- Alternate accommodation costs
- Brokerage expenses for rented accommodation
- Household rental expenses
- Relocation costs
- Temporary resettlement expenses
-
EMI Protector Cover
The EMI protector is an add-on that covers your home loan EMIs for a set period if your home is badly damaged by a covered event. This helps ease financial stress. However, coverage limits & sub-limits may apply.
Key Benefits
- Helps manage ongoing loan obligations
- Reduces financial burden during repairs or reconstruction
- Useful for homeowners with active home loans
-
Personal Accident Cover
The policy can provide personal accident protection if a covered event causes accidental injury or death.
Additional Benefits May Include
- Ambulance charges
- Transportation expenses
- Funeral expenses
- Children's education support
- Rehabilitation assistance
- Certain personal accident-related benefits such as loss of job assistance may be available under applicable covers.
-
Tenant Liability Cover
Tenant liability insurance helps tenants cover legal liability arising from accidental damage caused to the rented property.
This cover can be useful for:
- Apartment tenants
- Rented home occupants
- Families living in leased properties
-
Pet Cover
This add-on is for the protection of pets in certain situations.
-
Garden & Landscaping Cover
This cover is especially helpful for villa owners and those with independent homes. It includes protection for the following:
- Garden furniture
- Lawn equipment
- Outdoor décor
- Trees and shrubs
- Landscaping elements
Additional Add-On Covers
Home insurance plans often have several add-ons to give you extra protection, explained below:
- Loss of Rent Cover: Get compensation for rental income loss if the property becomes uninhabitable.
- Transit Cover for Household Goods: Get protection for the home contents while shifting homes.
- Lock & Key Replacement Cover: It covers the cost of replacing locks after theft or key loss.
- Utility System Damage Cover: It covers expenses incurred to locate and access damaged utility systems such as electricity distribution, cooking gas, and air-conditioning systems, subject to limits and exclusions.
- Bicycle Cover: It provides protection for recreational bicycles.
- Loss of Documents Cover: It covers expenses arising from the loss of important documents.
- Permanent Relocation Cover: It provides support for permanent relocation expenses after major damage.
What is Covered vs What is Not Covered?
| Covered |
Not Covered |
| Fire damage |
Wear and tear |
| Flood damage |
Intentional damage |
| Earthquake damage |
Illegal construction |
| Theft and burglary |
War and nuclear risks |
| Storm and cyclone damage |
Consequential losses |
| Riot and strike damage |
Existing damage before policy purchase |
| Burst pipes and water tank overflow |
Mechanical breakdown without add-on |
*Disclaimer: Policy terms, conditions, exclusions, and limits may apply.
How to Buy ICICI Complete Home Protect Insurance Online?
It's easy and convenient to buy ICICI Complete Home Protect insurance online through Policybazaar. Visit our official website, choose home insurance, and follow step-by-step procedure:
- Step 1: Enter Your Details Provide below details and click on 'View Prices'. Name, Mobile Number
- Step 2: Enter Property Details Provide details such as: Current market value of the property, Value of household items, Property location (optional) and click on 'View Discounted Plans'
- Step 3: Choose Coverage Select policy tenure and required add-ons, such as: Loss of Rent, Rent for Alternate Accommodation, Personal Accident, Jewellery & Valuables, Additional Structures
- Step 4: Review Premium Check the premium amount and policy benefits of ICICI Complete Home Protect insurance.
- Step 5: Make Payment Complete payment online securely.
- Step 6: Receive Policy Instantly You'll receive your policy document digitally.
How to File an ICICI Complete Home Protect Insurance?
You can usually start a home insurance claim online.
- Step 1: Inform the Insurer Report the incident immediately.
- Step 2: Submit Required Documents Upload photographs, bills, invoices, and supporting documents.
- Step 3: Surveyor Assessment The insurer might send a surveyor to check the damage.
- Step 4: Repair or Replacement Approval Claim evaluation is completed.
- Step 5: Claim Settlement Once your claim is approved, the amount will be paid according to the policy terms.
Documents Required for ICICI Complete Home Protect Insurance Claim
The following documents may be required:
- Identity proof
- Address proof
- Property ownership proof
- Repair estimates
- Purchase invoices
- Photographs/videos of damage
- FIR for theft-related claims
- Claim form
You may need to provide extra documents depending on your claim.
Why Choose ICICI Complete Home Protect Insurance Plan?
- Comprehensive Protection: One policy for your home structure, contents, valuables, and lifestyle-related risks.
- Flexible Coverage Options: Choose covers and add-ons based on your needs.
- Financial Security During Emergencies: It helps you manage unexpected financial burdens.
- Protection Beyond Fire Insurance: It covers natural disasters, theft, accidental damage, and more.
- Suitable for Modern Urban Homes: It's suitable for apartments, villas, and premium homes.
- Convenient Digital Experience: You can buy your policy online and get support for claims.
Final Thoughts
A comprehensive home insurance plan helps protect your home, belongings, valuables, and lifestyle from unexpected risks and damage. Whether you own a house, apartment, or rent, the right coverage can ease financial stress during emergencies.
Choosing a policy with the right building cover, contents protection, valuables cover, and add-ons can give your home and family better financial protection.
FAQs - ICICI Complete Home Protect Insurance Plan
-
Ans: The Complete Home Protect Insurance Plan is a comprehensive home insurance policy that offers financial protection for your home building, household contents, valuables, and lifestyle-related risks against events such as fire, theft, floods, earthquakes, storms, and accidental damage.
-
Ans: Yes, you can cancel the Complete Home Protect Policy. According to the insurance company, the policy includes a free-look period and a mid-term cancellation option.
-
Ans: The plan generally covers:
- Home building structure
- Household contents
- Valuable items
- Theft and burglary
- Natural calamities
- Accidental damage
- Additional living expenses
- Optional add-on covers
Coverage may vary depending on the selected plan and add-ons.
-
Ans: Yes, the policy can provide protection for both the home's physical structure and its contents, depending on the coverage selected.
-
Ans: Yes, the plan generally covers losses caused by insured natural calamities such as floods, storms, cyclones, earthquakes, landslides, and lightning.
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Ans: Yes, the policy covers losses arising due to theft, burglary, and burglary-related damages, subject to policy terms and conditions.
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Ans: Yes, the policy offers optional coverage for valuables such as jewellery, paintings, antiques, and collectables.
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Ans: Yes, household appliances and electronic items can be covered under contents insurance or optional electrical/mechanical breakdown add-ons.
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Ans: If your home becomes temporarily uninhabitable due to an insured event, the policy helps cover expenses for alternate accommodation, hotel stays, relocation, and related costs.
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Ans: Yes, accidental damage cover is available as an optional add-on for household contents and appliances.
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Ans: Yes, tenants can opt for contents insurance and tenant liability protection under the policy.
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Ans: Yes, the policy offers an optional EMI protector cover that helps manage home loan EMI obligations after major insured damage to the property.
-
Ans: The policy offers add-ons such as:
- Loss of rent cover
- Lock & key replacement
- Electrical breakdown cover
- Tenant liability cover
- Transit cover for contents
- Personal accident cover
-
Ans: The premium depends on factors such as:
- Property location
- Construction type
- Carpet area
- Sum insured
- Contents value
- Add-ons selected
- Claim history
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Ans: You can buy the policy online by entering property details, selecting coverage options, customising add-ons, paying the premium, and receiving the policy digitally.
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Ans: You can file a claim by informing the insurer, submitting the required documents and photographs, completing the survey process, and following the claim settlement procedure.
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Ans: Commonly required documents include:
- Identity proof
- Address proof
- Property documents
- Claim form
- Repair estimates/invoices
- Photographs of damage
- FIR for theft claims
-
Ans: Common exclusions may include:
- Wear and tear
- Intentional damage
- Illegal construction
- War and nuclear risks
- Consequential losses
- Existing damage before policy purchase
Policy terms and exclusions may apply.
*Disclaimer: The information provided on this page is for general informational purposes only and is subject to change as per the insurer's policy terms, conditions, exclusions, underwriting guidelines, and IRDAI regulations. Coverage, benefits, add-ons, limits, exclusions, waiting periods, and claim settlement terms may vary depending on the policy variant, sum insured, property details, and options selected at the time of purchase. Some covers mentioned on this page may be available only as optional add-ons on payment of additional premium. Please refer to the official policy wording, sales brochure, and policy schedule issued by ICICI Lombard General Insurance Company Limited for complete details before purchasing the policy. In case of any discrepancy, the policy wording and insurer's terms shall prevail.
